What really happens when scary headlines hit the news cycle—especially about your retirement health care? This week on C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones dig into the recent buzz around Medicare Part D and whether these changes should have you rethinking your entire plan, or just rolling your eyes at political ads. Spoiler: That premium spike might not be as dramatic as you’ve heard, but there’s much more every retiree should know.

Plus, our mailbag is full of real-life questions from listeners just like you! From bridging the gap to Medicare before age 65, to demystifying “bond tents,” and ways to talk inheritance (without derailing Sunday dinner), you won't want to miss Brad’s practical advice and a few laughs along the way. Tune in and learn why the best retirement plan isn’t shaken by every headline—and how you can climb through changing times with confidence.


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

Have recent market highs got you smiling every time you peek at your portfolio? Don’t get too comfortable—this episode of C.L.I.M.B. Through Retirement uncovers the sneaky risks that strong markets can hide, especially for those closing in on retirement. Ben Heisler and Brad Jones dig into why now, while things are good, is actually the ideal moment to review, rebalance, and rethink your strategy—before life throws a curveball. If you’ve ever wondered whether your mix of stocks and bonds is as safe as it feels, you’ll want to hear what Brad has to say.

Feeling confident about retiring on time, but still can’t shake that nagging worry? You’re not alone—and Brad answers some real listener questions that reveal how even a lucky streak can leave your nest egg exposed. From scattered 401(k)s to family loans and the truth about fiduciaries, we tackle the choices that could shape your golden years. Ready for insights, stories, and a few retirement myths busted? Hit play and join the climb!


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

Retirement is supposed to be the reward for a lifetime of hard work, but if you’ve ever wondered, "Am I really ready?" you’re not alone. In this episode of C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones open the mailbag and shine a spotlight on the five most common—and most pressing—retirement questions everyone seems to have, from when to start Social Security to that age-old 4% rule. Are you worrying about outliving your money? Debating a Roth conversion? Or maybe you’re just trying to figure out if moving your 401(k) makes sense? You’re in good company.

But the real answers? Well, they’re rarely one-size-fits-all. Join Ben and Brad as they dig beyond the headlines and Google search results to share the candid, practical advice you wish someone had given you when you started planning. Whether you’re a snowbird-in-training, just starting your retirement journey, or already living the dream, this episode will have you nodding along, learning something new, and maybe even rethinking your plans. Press play and start your climb—one smart answer at a time.


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

What if one silent letter could shape your entire retirement? On this week’s episode of “C.L.I.M.B. Through Retirement,” Ben Heisler and Brad Jones tackle the one part of retirement planning most of us dodge for years—legacy. You might be surprised to hear just how many Americans have no will, no trust, not even a power of attorney. Is it just procrastination, discomfort, or something more? Brad has seen it all from more than 20 years helping families, and he’s got stories (and a few zingers) to share. But don’t worry, it’s not a guilt-trip—think of it as your nudge to take action before the state decides for you.

We’re also cracking open the community mailbag and your real-life retirement questions—from turning your beloved local shop into a steady paycheck, to whether that hot tip on Bitcoin is really just rolling the dice. Plus, there’s a buzz about a brand-new retirement tool that could change how you plan for your grandkids’ future. This episode is packed with practical insights, a few laughs, and just enough suspense to keep you hanging on for the next step in your retirement climb. Don’t miss out—your legacy, and a little peace of mind, might be just one conversation away.


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

What if the biggest risk to your retirement isn’t how much you’ve saved, but how you plan to spend it? Join Brad Jones and Ben Heisler as they uncover the real costs behind a fulfilling retirement—revealing unexpected expenses, common income mistakes, and the secrets to converting your savings into reliable monthly income. Set against the candid backdrop of family stories and hard-earned financial insights, this episode challenges traditional thinking and sheds light on the subtle pitfalls that can trip up even the best savers. Get ready to rethink what a rewarding retirement really takes—because the answer may surprise you.

Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

This week on C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones tackle the seismic shifts shaking up the financial world, including a brand-new Federal Reserve chairman making headlines—and waves. What happens when tough inflation talk, rising rates, and presidential influence collide? And more importantly, what could it all mean for your retirement dreams? If you think your nest egg is safe from DC drama, you might want to think again.

But that’s just the beginning. From pension jitters and land sales to unexpected Medicare surprises and big decisions about Social Security, Brad dives into real questions from real listeners across Livingston County—each facing their own unique retirement crossroad. Ready to hear how to bulletproof your plans when the only constant is change? Hit play and find out why “failing to plan is planning to fail”—and how to make your next move your smartest yet.


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

Think you've got your retirement mountain mapped out? Think again. In this episode, Ben Heisler and financial advisor Brad Jones shine a spotlight on the one risk that sneaks up on most retirees—healthcare costs. It's not the headlines-grabbing stock market crash or the fear of outliving your savings; it’s the silent, relentless drain that could quietly eat away at your nest egg, one copay at a time. Wondering how to protect your hard-earned assets from this under-the-radar threat? You’re in the right place.

Brad reveals surprising numbers, busts a few myths, and walks you through simple steps to turn your anxiety into action. Is the Medicare maze as complicated as it seems? Do you really need to worry about long-term care insurance? And how can a written plan transform your "what-ifs" into confidence? Tune in for practical strategies, real-world examples, and a few game-changing tools—plus the easiest way to take your first step toward climbing through retirement. If you’re ready to enjoy your golden years without hidden surprises, hit play and discover what most retirees miss!


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

What if the Social Security headlines aren’t just noise—but a wake-up call? On this episode of C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones take on one of the hottest topics for today’s (and tomorrow’s) retirees: the looming Social Security trust fund shortfall. Brad shares his candid, reassuring take on what those “2032” predictions really mean, who’s likely to feel the squeeze, and why this isn’t the time to panic, but the perfect time to plan. Plus, you’ll hear entertaining stories about dream homes, shifting priorities, and bouncing back when life throws you a curveball—whether it’s in your finances or your favorite sports team!

Ready for real talk about financial independence? Ben and Brad dig into the difference between simply having a nest egg and truly stepping into a confident, work-optional lifestyle. Discover why even millionaires can feel anxious about retirement, the “1,500 week vacation” perspective you’ve never heard before, and concrete ideas to bulletproof your own plan. Want practical, actionable steps that could make all the difference for your future self? Plug in now—your journey through retirement (and a few timely surprises) starts here!

Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

Retirement is often pictured as a finish line—a final destination after years of hard work. But what if it’s actually the start of a marathon, especially for women? In this episode, Ben Heisler and Brad Jones dive into the surprising realities that make a woman’s retirement journey fundamentally different. From the longevity gap to navigating savings shortfalls, you’ll hear why an average plan simply won’t cut it and how those familiar pitfalls can turn into financial traps for women if left unaddressed.

But that’s not all. What’s the ripple effect of your husband’s Social Security decision? What’s the “widow’s tax” that catches so many retirees off guard? If you think you’ve heard it all before, think again. Whether you’re planning for yourself or supporting the women in your life, tune in for some eye-opening conversations, relatable analogies, and actionable advice that just might change the way you approach your climb through retirement. Curious about what your own marathon could look like? Hit play and find out!


Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.

“Think your tax burdens ease when you retire?” For many, exchanging paychecks for pensions brings a complex new tax reality—one that can drain your hard-earned savings if you’re not careful. Join Ben Heisler and Brad Jones as they spotlight the unexpected pitfalls and invisible traps lurking in the tax side of retirement. Discover why proactive planning and a sharper understanding of your IRA and Social Security income could mean the difference between enjoying your golden years and getting caught off guard by Uncle Sam.

Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future.

Tune in and take the next step on your path to a fulfilling retirement.