Market volatility isn’t the real threat to retirement—outdated thinking is. In this conversation, Eric Kearney and Joseph Lanza explain why buy-and-hold, the 4% rule, and “set it and forget it” strategies no longer fit today’s financial reality.Visit myincomeplan.com to download your free retirement income guide and start building a strategy designed for today’s market.Market volatility is often blamed for retirement stress, but the bigger problem is relying on strategies built for a very different financial world. In this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, sits down with Joseph Lanza to break down how today’s markets actually work—and how retirees should adapt.The market is constantly evolving, yet many investors are still using rules created decades ago. Buy-and-hold strategies, living only off interest, and rigid withdrawal rules often fail to account for inflation, taxes, healthcare costs, and longer retirements. This discussion explains why volatility is not something to fear, but something to understand and plan around.Eric and Joseph explain why active planning, proper diversification, and realistic expectations matter more than trying to time the market. They also discuss why retirement doesn’t mean the end of investing, and why growth is still essential for long-term income sustainability.If you’re approaching retirement—or already there—and want clarity instead of complexity, this episode will help you rethink how your portfolio should support your income, goals, and lifestyle.Visit myincomeplan.com to download your free retirement income guide and take the first step toward a more confident retirement plan.

Healthcare and long-term care costs are rising faster than inflation, and they are one of the biggest financial wildcards retirees face. In this conversation, Eric Kearney and Joseph Lanza break down what Medicare does not cover and why ignoring long-term care planning can derail retirement.Visit myincomeplan.com to download your Retirement Income Guide and start planning instead of worrying.Healthcare costs in retirement are rising at a pace that catches many retirees off guard, especially when long-term care enters the picture. In this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, sits down with Joseph Lanza to talk through one of the most overlooked risks in retirement planning.They discuss why Medicare premiums continue to rise faster than Social Security cost-of-living adjustments, why Medicare does not cover long-term care, and how healthcare inflation can quietly erode even well-funded retirement plans. With long-term care costs reaching $10,000 to $12,000 per month in many areas, avoidance is not a strategy.This conversation explains the difference between healthcare expenses before long-term care, the likelihood of experiencing a long-term care event, and why geographic relocation can dramatically change costs. Most importantly, it outlines how proper financial planning can stress-test these risks before they become real-life emergencies.If you are concerned about healthcare, inflation, or the possibility of long-term care affecting your retirement, this episode offers clarity, context, and practical planning insight.

Your retirement plan shouldn’t only protect your money, it should protect your peace of mind. In this Farm Truck Financial conversation, Eric Kearney and repeat guest Dani Tourony break mindfulness down into practical, real-life moments you can start using today.Subscribe for more Farm Truck Financial conversations, and connect with Retirement Wealth Advisors for a farm-fresh second opinion on your retirement strategy and lifestyle plan.If you’re great at planning for everyone else but keep postponing yourself, this highlight from Farm Truck Financial is for you. Eric and Dani talk about why mindfulness is “free, but work,” and how the payoff shows up in calmer days, better relationships, and a retirement you don’t feel like you need to escape from.You’ll hear:How one simple “coffee question” exposed a constant mental grindEasy mindfulness resets you can do on a walk, during meals, or even in trafficBreathwork ideas like box breathing and ocean breathWhy slowing down can make your weeks feel like your actual life againHow mindfulness, yoga, and meditation can support a better quality of living in retirement

Two-thirds of Americans fear running out of money in retirement, and that fear isn’t misplaced. In this conversation, Eric Kearney and Joseph Lanza explain why today’s retirees face a completely different financial reality—and what to do about it.Call us today at 601-THE-FARM for a farm-fresh second opinion and start building a retirement plan designed for your income, lifestyle, and long-term peace of mind.Two-thirds of U.S. savers worry about running out of money in retirement, and that concern is growing for good reason. Longer lifespans, fewer pensions, rising healthcare costs, inflation, and nonstop market noise have changed the retirement landscape entirely from what previous generations experienced.In this highlight from Farm Truck Financial, Eric Kearney and Joseph Lanza break down why modern retirement planning requires a different mindset. They discuss how emotional decision-making, market volatility, and going too conservative too soon can quietly erode purchasing power over time.

Florida’s python problem is bigger, stranger, and harder to fix than most people realize. In this highlight from Farm Truck Financial, Amy Siewe breaks down how the invasion started, what it’s doing to the Everglades, and why “just grab it” is the fastest way to get hurt.Call Retirement Wealth Advisors for a farm fresh second opinion and a complimentary review of your finances.Have you heard the stories about massive Burmese pythons in the Florida Everglades and wondered what’s actually true? Eric Kearney sits down with Amy Siewe, the Python Huntress, for a return visit packed with real-world insight from the front lines: how Hurricane Andrew helped trigger the boom, why hunting one snake at a time can take hours, and why the most dangerous part is often the people who don’t know what they’re doing. If you’re curious about invasive species, Everglades wildlife, or what a guided python hunt is really like, this conversation delivers the good dirt.Amy explains what makes pythons so hard to control, how quickly hatchlings enter the ecosystem, and what it feels like when a “simple” catch turns into a fight in brush or water. Plus, Eric connects the dots between forecasting a financial future and trying to predict where this ecological problem goes next.#FarmTruckFinancial #PythonHuntress #AmySiewe #FloridaEverglades #BurmesePython #InvasiveSpecies #FloridaWildlife #Everglades #PythonHunting #WildlifeConservation #RetirementPlanning #FinancialPlanning #SouthwestFlorida #EricKearney #RetirementWealthAdvisors

Do you feel overwhelmed by Medicare commercials, confusing deadlines, and surprise costs? In this Farm Truck Financial episode, Eric Kearney sits down with Southwest Florida Medicare expert Carmela to simplify the Medicare maze and help you avoid expensive mistakes.Schedule a farm-fresh second opinion with Retirement Wealth Advisors: https://farmtruckfinancial.com | Or call 601-THE-FARM to book a conversationWhen it comes to Medicare, it is easy to get “sold” something and never hear from that company again. That is why Eric brings Carmela back for a deeper dive into the real questions retirees ask, including Medicare Select, enrollment timing, and how Medicare fits into a full financial plan.In this conversation, you will learn how the key ages 62, 65, and 67 connect Social Security and Medicare decisions, and why the timing matters for income planning, taxes, and healthcare costs. Carmela also explains IRMAA, the Income-Related Monthly Adjustment Amount, and why Social Security uses a two-year lookback when calculating Medicare premium surcharges. (And if your income dropped due to retirement or another life change, there may be a way to appeal and get those premiums adjusted.)Eric and Carmela also break down the difference between Original Medicare with a supplement (Medigap) versus Medicare Advantage plans, including the real-world impact of provider networks and what happens when doctors move in and out of network. They cover what Medicare does not cover, including common gaps like dental, vision, and hearing, and they discuss the retirement “budget buster” that catches families off guard: long-term custodial care.If you are still working past 65, Carmela explains what to look for in employer coverage so you can delay Part B without penalties, plus an important heads-up if you are contributing to an HSA.Investment Advisory Services offered through Retirement Wealth Advisors, Inc. (RWA) an SEC Registered Investment Advisor. Eric Kearney Advisor, LLC, Retirement Wealth Advisors, LLC and RWA are not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

A massive generational wealth transfer is already underway, and women are positioned to become the primary stewards of what comes next. Eric Kearney and CFP® Donna Krohn break down the real concerns, the hidden challenges, and the planning process that helps turn overwhelm into confidence.Call Retirement Wealth Advisors for a farm fresh second opinion and a complimentary review of your finances.In this highlight from Farm Truck Financial, we cover why women often face bigger longevity and healthcare questions, why “helping family” can quietly derail retirement, and how shifting from “saver” to “investor” can change the outcome of a long retirement. You’ll also hear a real story about an inheritance that felt overwhelming at first, and how a guided process helped the family move forward without panic decisions.Learn more about Retirement Wealth Advisors and schedule a conversation.

Want to feel stronger in real life, not just in the gym? Senior Fitness Specialist Buffy Hagood breaks down the simple movements that protect your independence, boost confidence, and keep you doing what you love.Visit https://myincomeplan.com for a complimentary review of your finances, and start building a stronger plan for your retirement lifestyle.On this highlight from Farm Truck Financial, Eric Kearney sits down with repeat guest Buffy Hagood, a certified Senior Fitness Specialist with advanced training in corrective exercise. Together they connect the dots between retirement planning and the one asset you can’t replace: your health.Buffy explains why it’s never too late to build muscle, how strength training improves daily living, and why functional fitness is the key to staying independent. You’ll also learn the “primal movement” checklist everyone should keep: squat, lunge, push, pull, and hinge, plus the balance and stability that come with doing them consistently.If you’ve ever struggled with lifting luggage, carrying groceries, getting up from the floor, or just moving without pain, this conversation will reframe what fitness is really for: living a stronger, longer life.Reach out to Buffy for more information on senior-focused training. And if you have questions about your retirement plan, income strategy, taxes, or portfolio, reach out to Retirement Wealth Advisors. You only retire once, so let’s get it right the first time.

2025 was a wild ride for investors, and 2026 is already lining up its own set of curveballs. Eric Kearney and Joseph Lanza break down the biggest themes—AI, inflation, rates, policy headlines—and share a practical investor checklist to stay proactive.For a farm fresh second opinion, visit https://farmtruckfinancial.com and schedule a complimentary review with Retirement Wealth Advisors.2025 was a wild ride for investors, and 2026 is already lining up its own set of curveballs. Eric Kearney and Joseph Lanza break down the biggest themes—AI, inflation, rates, policy headlines—and share a practical investor checklist to stay proactive.For a farm fresh second opinion, visit https://farmtruckfinancial.com and schedule a complimentary review with Retirement Wealth Advisors.In this conversation, we look back at what drove volatility in 2025, why “waiting for things to calm down” can quietly derail progress, and what to watch as we head into 2026. You’ll also hear a straightforward checklist mindset for navigating uncertainty, protecting income planning, and keeping long-term strategy ahead of short-term emotion.Topics include:AI investing enthusiasm and what to watch nextEconomic strength vs recession predictionsTariff headlines and market reactionsGovernment shutdown risk and market psychologyInflation and the reality of “prices not coming back down”Rate cuts and why inflation can stay stickyPlanning through midterms and political noiseRetirement pressure points like healthcare costsEarly-year planning moves (contribution reviews, tax planning conversations)

A top-performing real estate broker leaves it all behind and heads to Florida to take on one of the Everglades’ biggest invasive threats. Hear how Amy Siewe became the Python Huntress, what a real hunt looks like, and what this kind of grit can teach you about building an investment strategy that actually holds up.Schedule a farm fresh second opinion with Retirement Wealth Advisors and get a plan built around your goals, lifestyle, and income needs. Call today and let’s have a real conversation about what matters to you and how you get there.You’d think it would take a big man to wrestle a 17-foot python, but Amy Siewe does it with skill, composure, and a plan. In this episode of Farm Truck Financial, Eric Kearney sits down with the Python Huntress to talk about what it takes to hunt an invasive species that’s impacting Florida’s ecosystem, how she went from real estate success to full-time python work, and what it’s really like when a python bites.You’ll hear how python hunting actually works, why experience matters more than brute strength, what Amy looks for on night hunts, and why preparation beats panic when the stakes are high. Then we connect the dots back to your retirement: the same discipline that helps you stay calm and execute in the Everglades is the same mindset that helps investors avoid emotional decisions and build strategies that drive results over time.If you’re thinking about retirement and you’re tired of guessing, start planning. Retirement Wealth Advisors helps you cut through complexity and build a plan based on your vision, goals, and income needs.