Ask The Planman

Bruce M. Weinstein, The Planman, welcomes Joe Gable, who started alongside him at Merrill Lynch forty years ago. Joe spent two decades as a financial adviser, built a rug business on the side, sold it to his son, and retired at 64. Working from Chapter 5 of Solving for X, they explore why procrastination quietly costs more than most people realize and what it looks like to act before life forces the decision.

In this episode:

• Joe's "second engine" approach and why he saved the extra income instead of upgrading his lifestyle
• A life insurance story that shows how waiting for the right moment can leave a family exposed
• How apathy and "it won't happen to me" thinking keep people from planning
• Lessons from transitioning a family business, and why Bruce recommends living somewhere for a few months before retiring there

Get the book: https://amzn.to/4xFjWMp Watch live Tuesdays at 8:30 PM Eastern: https://www.sorc-tvradio.com/ask-the-planman Watch on YouTube: https://www.youtube.com/@asktheplanman

This week on Ask the Plan Man, Bruce M. Weinstein is joined by Margret De Bruyn to break down what people often miss when thinking about retirement.

The conversation looks beyond simply asking, "How much money do I need?" and focuses instead on the bigger picture: the lifestyle you want, the income you will need, the risks that can disrupt the plan, and the decisions that become much harder when they are left until the last minute.

Bruce and Margret also begin connecting these ideas to Solving for X: The Retirement Equation Nobody Taught You and the importance of understanding your own retirement equation before circumstances force the issue.

Get Solving for X: Amazon: https://amzn.to/4xFjWMp

Get a signed copy: https://signed.planmaninsurance.com/purchase-book-091726

Listen on Audible: https://adbl.co/4h1DIvK

Companion workbook: https://amzn.to/4jiw6WT

Follow Ask the Plan Man: Website: https://asktheplanman.com/ YouTube: https://www.youtube.com/@asktheplanman LinkedIn: https://www.linkedin.com/in/brucemweinstein/ Instagram: https://www.instagram.com/asktheplanman

Bruce M. Weinstein is a licensed insurance broker and author. Content is for educational purposes only and is not individualized financial, investment, legal, or tax advice.

What if retirement planning isn't about how much money you save, but how much income you'll actually need?

In the relaunch of Ask the Plan Man, Bruce Weinstein, known as "The Plan Man," joins Mel Albin, CEO of the Source Radio and TV Network, to challenge conventional thinking about retirement, investing, and financial security.

Drawing on more than 40 years of financial services experience, Bruce introduces the central concept behind his new book, Solving for X: The Retirement Equation Nobody Taught You.

Your X is the income your retirement assets need to generate to support your lifestyle beyond Social Security and pensions. Understanding that number can change how you save, invest, manage risk, and prepare for retirement.

In this episode, you'll discover:

• Why successful retirement planning starts with your desired lifestyle, not investment products.

• How to calculate your retirement income needs by working backward from your goals.

• Why inflation, market volatility, and changing interest rates can threaten retirement security.

• The hidden costs of retiring early, especially healthcare expenses before Medicare.

• How asset allocation, diversification, and risk management fit into a long-term financial strategy.

• Why retirement, college savings, family protection, and estate planning require coordinated decisions.

• The importance of revisiting your financial plan as your life and circumstances change.

Bruce also shares the deeply personal story behind his philosophy of retiring with financial dignity—having the knowledge, resources, and flexibility to make financial decisions on your own terms.

Whether you're approaching retirement, already retired, or just starting to plan, this conversation offers a fresh perspective on building a financial roadmap that fits your life.

Follow Along with Solving for X

Want to take your retirement planning beyond the conversation?

Get a signed copy of Bruce Weinstein's Solving for X: The Retirement Equation Nobody Taught You or a downloadable copy of the companion workbook so you can follow along as we break down the book, explore real-world financial challenges, and help you build your own retirement roadmap.

Get the Book in Print, Kindle or Audible: https://amzn.to/4xFjWMp

Get the Workbook: https://amzn.to/4jiw6WT

Get a Autographed copy of the Book or the downloadable version of the Workbook: https://signed.planmaninsurance.com/solving-signed

Watch the Episode: https://youtu.be/6TrbGPWQrW0

Sponsored by Fit Wealth Management

Your journey should fit your life, not the other way around. Learn more at https://fitwgt.com.

Disclaimer: This podcast is for educational and informational purposes only and does not constitute personalized financial, investment, legal, or tax advice. Consult qualified professionals regarding your individual circumstances.

In this episode of Ask the Planman, Bruce Weinstein sits down with Jennifer Rosen of Mind Your Nest, a concierge bill management and daily money support service. We're covering how even the most financially stable people can fall behind, especially after divorce, illness, or the loss of a partner. Jennifer unpacks what families miss when they assume everything is "handled" and why proactive planning, not crisis response, is key to protecting aging loved ones.

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✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

Think long-term care is only for later in life? Think again. In this episode of Ask the Planman, Bruce sits down with Kim Sixkiller to talk about why long-term care planning should start much earlier than most people think.

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✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

Jimmy Choi joins us on Ask the Plan Man to explain how homeowners in disaster-prone areas can still find insurance. With big companies pulling out of states like California and Florida, Jimmy shares how smaller insurers are filling the gap.

We talk about why bundling your policies matters, how much it really costs to rebuild, and what happens if you're underinsured. We also cover why having a backup plan after a disaster is so important.

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✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

Learn how to protect your business from potential disruptions like fires or the sudden loss of key personnel. I'll walk you through the key roles that key person insurance and buy-sell agreements play in this process, offering you actionable steps to fortify your business foundation against any eventuality.

Follow me on 👇 Instagram: @asktheplanman Facebook: Ask the Planman

✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

That's why we brought in tax expert Pishoy Fahmi, founder of PNF Accounting & Advisors, to break it all down. In this episode, we explore:

• How can you sell investment property and reinvest the profits—without paying capital gains tax?
• Can you swap life insurance or annuities tax-free? (Hint: Yes, but do it wrong, and the IRS will notice.)
• What deadlines, rules, and loopholes do you need to know before making a move?
• How do high-level investors play the game to maximize their wealth?

Follow me on 👇 Instagram: @asktheplanman Facebook: Ask the Planman

✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

In this episode, we break down the real differences between HMOs and PPOs, why insurance costs are out of control, and—most importantly—how people are saving thousands every year.

In this episode, we explore:

👉🏻 Are PPOs really worth the insane price difference? 👉🏻 How one family saved $19,200 a year just by switching plans. 👉🏻 What health insurance companies don't want you to know about HMOs. 👉🏻 The key terms you must understand before picking a plan (or risk overpaying).

Follow me on 👇 Instagram: @asktheplanman Facebook: Ask the Planman

✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213

In 49 of the 50 states there's a cost efficient option for affordable health insurance you might not be aware of. In fact, we recently saved a client over $1500/mo on their health insurance. In this episode, we're talking all about it and how you can get started.

Are you paying over $1000 a month on your health insurance? Then we need to talk. Send me a DM on IG or FB @asktheplanman.

Follow me on 👇 Instagram: @asktheplanman Facebook: Ask the Planman

✅ "When you need some advice, always get it right, Come Ask the Planman!" ✅

Contact Bruce! [email protected] Call us at 1-844-Planman Text PLANMAN to (321) 421-5213