Before the Crisis

What does it take to create a retirement that’s both secure and stress-free? In this episode of The Golden Hour, Liz Keller sits down with Matthew Richman (RICP®, CFF®, CAS®, NSSA®), founder of Iron Point Retirement Solutions, to explore the strategies every family needs when planning for retirement.

Matthew shares how his grandparents’ financial struggles during the 2008 recession inspired his mission to help others avoid similar mistakes. Together, Liz and Matthew cover:

• Why guaranteed income beats assets in retirement
• How to avoid the “tax torpedo” that surprises so many retirees
• The importance of Social Security optimization and claiming strategies
• Practical approaches to long-term care planning
• How legacy planning can multiply what you leave for your loved ones

Whether you’re preparing for your own retirement or helping a parent make the transition into senior living, this conversation will give you the tools and insights to protect your financial future.

In this illuminating episode, Liz Keller welcomes Molly Wuebker, occupational therapist, accessibility advocate, and founder of Uncurbed, to explore how universal and inclusive design can break barriers and build environments where everyone belongs.

Key themes include:

• The evolution of Molly’s journey—from clinical OT to accessibility consultant and ADA liaison.
• How the Person–Environment–Occupation–Performance (PEOP) model drives meaningful design decisions.
• Why universal design isn’t just about compliance—it’s a pathway to equity, safety, and enjoyment for all.
• Real-world insights from Molly’s projects, including her work on accessibility in recreational, residential, and digital spaces.
• A deeper dive into co-design, human factors, and emerging assistive technology.
• The educator’s perspective: accessibility principles she’s taught at Drake University and beyond.

Why you’ll want to listen:

• Gain practical framing tools for designers, caregivers, and educators.
• Learn how to exceed minimal standards in building, programs, and digital presence.
• Discover how inclusive design benefits communities at every stage of life—especially seniors aging in place.

In this episode of The Golden Hour, we sit down with Luann Sechrist, founder of Senior Planning Solutions, to unpack the truth about Medicaid planning.

Luann explains:

• Why putting a child’s name on assets can be risky
• Whether children can be held responsible for nursing home costs
• How veterans and their families can access little-known benefits
• The difference between Medicaid planning and pre-planning
• What families need before a first consultation
• How funeral planning can be used in spend down strategies

Luann also shares her philosophy of walking with families through this emotional process, helping them avoid costly mistakes, reduce family conflict, and protect what matters most.

✨ If you’re caring for aging parents or planning ahead for your own future, this episode is packed with insights you won’t want to miss.

In this episode of The Golden Hour, Liz Keller sits down with attorney Matthew Bollman of Pearson Bollman Law to talk about the legal and financial decisions that every family should prepare for as loved ones age. From creating a will or trust to navigating Medicaid and VA pension benefits, Matthew shares practical guidance and real-life stories from his work in estate planning and elder law.

We discuss:

• Why starting the conversation early is critical
• The difference between wills, trusts, and probate
• How to protect assets while planning for long-term care
• Navigating Medicaid rules and VA pension benefits
• Common mistakes families make—and how to avoid them

Whether you’re a senior, an adult child, or a caregiver, this conversation will help you feel informed and empowered to make the right decisions for the future.