In the latest Financial Strategies, Andrew and Daniel Agemy unpack the “silent partner” inside traditional IRAs and 401(k)s: the IRS. They explain how decades of tax-deferred saving can become a future tax time bomb, especially once RMDs begin and withdrawals stack onto other retirement income. The episode walks through why Roth conversions can help “fire” that silent partner—by paying tax on purpose, in the right years, and in the right amounts—so future retirement income can be more predictable and tax-efficient.

They emphasize that Roth conversions are not for everyone and must be customized. The key is managing the overlap of three different “brackets”:

(1) income tax brackets,

(2) IRMAA (Medicare premium surcharges) with a two-year lookback, and

(3) Social Security taxation thresholds.

They also discuss strategic timing during the “retirement income valley” (after work ends but before RMDs begin), the importance of “bumping the bracket” without spilling into the next one, and why paying conversion taxes from outside the IRA (when possible) can materially improve the math. The takeaway: Roth planning isn’t about beating the market—it’s about beating the tax code with intentional, coordinated strategy.

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Most people say they want “growth” in retirement. But what does that really mean?

In this eye-opening episode of Financial Strategies, Andrew and Daniel Agemy unpack one of the most misunderstood concepts in retirement planning: the difference between known growth and unknown growth—and why most retirees are chasing the wrong kind.

📌 Key Concepts Covered:

• Why "growth" means something different to advisors, retirees, and institutions

• The danger of relying solely on capital appreciation (stock prices going up)

• Why many portfolios are built on hope, not income

• The stress-free alternative: building portfolios with predictable, compounding income

• The “Elevator vs. Escalator” analogy—how market volatility vs. steady income impacts retirement mindset

• How to calculate total return: Growth = Income + Capital Appreciation

• Why dividends, interest, and contractual investments create stability retirees need

💡 You’ll also hear:

• Real-life stories of retirees surprised by hidden risk in their portfolios

• How a simple stress test can reveal if your retirement is built to last

• Why investing for income creates optionality, flexibility, and peace of mind

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What if you could access the same level of care, coordination, and strategic planning that billionaires get, without needing a private jet or a hundred-million-dollar estate?

In this episode of Financial Strategies, Andrew and Daniel Agemy introduce the concept of a “family office experience” for everyday millionaires—individuals or couples with $2M to $20M in wealth who are often underserved by traditional financial models, but not large enough to build a private family office.

What You’ll Learn:

• What a family office really is and why the ultra-wealthy rely on them

• Why a net worth of $2M–$20M demands a more sophisticated strategy than a 401(k) and a few mutual funds

• How coordinated planning, across tax, investments, estate, philanthropy, and legacy, can reduce fees, mitigate risk, and protect your wealth long-term

• Why being “comfortably wealthy” doesn’t mean you’re getting the attention you deserve

• How to think like a CIO (Chief Investment Officer) for your family’s wealth

• Why most retirees are “collectors of mutual funds” rather than strategic investors

This episode is about more than money. It’s about designing a structure that works for your family, your goals, and your legacy. It's the boutique approach to wealth, with personalized service, transparency, and strategic foresight—without the cookie-cutter ETF packages.

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Many banks and credit unions are still relying on legacy, backward‑looking approaches to understand credit risk. In today's Financial Strategies podcast, Andrew and Daniel Agemy explain how to leave those methods behind and adopt a fresher, more integrated view of your loan portfolio that actually reflects today’s environment.​ If you’re ready to retire “the way we’ve always done it” and replace it with a sharper, more proactive approach to portfolio management, this podcast is for you.

Dream Big. Live Free. Stay Retired.Retirement is about more than quitting your job - it’s about freedom, purpose, and the life you’ve been dreaming of.

In this heartfelt holiday episode of Financial Strategies, Andrew and Daniel Agemy explore what it means to dream big in retirement, redefining retirement not just as a financial milestone, but as a new chapter filled with purpose, passion, and possibility.

📌 Inside the episode:

• Why “rewirement” is just as important as retirement

• The power of dreaming big: travel, hobbies, family, giving back

• How income, not just savings, is the key to living your dream

• Why vision, purpose, and proactive planning beat hope

• How to avoid the most common mental traps that derail retirements

🎁 This episode includes biblical reflections on purpose, joy, and planning from the Christmas story.

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A million-dollar portfolio doesn’t mean much… if it only generates $15,000 of income.

In this eye-opening episode of Financial Strategies, father-son duo Andrew and Daniel Agemy challenge the myth of the “magic retirement number” and ask a better question: How big is your retirement paycheck?

Whether you’re nearing retirement or already retired, this episode can help you:

• Rethink retirement from lump sum to lifestyle income

• Discover the three-legged stool approach to stable income

• Avoid the pitfalls of reverse dollar-cost averaging

• Understand why dividends and interest, not hope, should fund your future

• Compare real estate income vs. market income (and the work involved)

• Learn why women often make better long-term investors

🎧 Packed with stories, strategies, and practical insights, this episode is a must-listen for anyone ready to turn their savings into a renewable retirement income stream.🔔 Like, subscribe, and turn on notifications for more retirement education.

2025 brought major tax changes...are you ready?

In this episode of Financial Strategies, Andrew and Daniel Agemy walk you through the critical tax strategies every retiree and pre-retiree should know before year-end.

Topics Covered:

- Required Minimum Distributions (RMDs): What age rules apply in 2025?

- The power of Qualified Charitable Distributions (QCDs) to give smarter

- Roth IRAs vs. Traditional IRAs and how new RMD ages affect you

- How to lower your tax burden using donor-advised funds and CRTs

- Real-life client examples on charitable giving and income planning

- What to do now to prepare for 2026 tax planning

Whether you're 70½, 73, or just planning ahead, this episode is packed with insights to help you keep more of what you've earned.

🔔 Like, subscribe, and turn on notifications for more retirement education.

Are you counting on known growth in retirement—or just hoping the market cooperates?In this episode of Financial Strategies, Andrew and Daniel Agemy unpack what “growth” really means using a simple formula: G = I + CA (Growth = Income + Capital Appreciation). They explain:-The difference between reliable income (dividends/interest) and unpredictable market gains-Why “hope” can work when you’re young, but not when you’re nearing or in retirement-How an income-focused strategy can help reduce stress and create more predictable growthIf you’re within 10 years of retirement and want more clarity—not confusion—about how your money grows, this episode is for you.🔔 Like, subscribe, and turn on notifications for more retirement education.

History Rhymes - Are We in the Middle of Another Bubble?

In this episode of Financial Strategies, Andrew and Daniel Agemy tackle a pressing question for retirees: is artificial intelligence fueling the next great market boom, or inflating another dangerous bubble?

By comparing today’s AI-driven hype to historical cycles like the dot-com bust and 1929 crash, this father-son team uncovers the emotional and economic signals investors can’t afford to ignore.

What You’ll Learn:

• Why the market's current valuation may be at historic extremes

• What the Buffett Indicator and CAPE ratio say about future returns

• How “this time is different” thinking fuels every bubble

• Why AI, ETFs, and tech narratives feel familiar - and risky

• How to protect your retirement from herd mentality and market mania

• What it means to build an anti-fragile portfolio that thrives in chaos

📞 Call 800-725-7616 to request:

• Turning Financial Planning Right Side Up by Jeff Small

• 7 Risks to Your Retirement report

• Retirement Readiness Checklist

#AIBubble #RetirementPlanning #FinancialStrategiesPodcast

Don’t Let RMD Confusion Wreck Your Retirement Plan.

In this vital episode of Financial Strategies, Andrew and Daniel Agemy walk you through everything you need to know about Required Minimum Distributions (RMDs) - especially with the sweeping updates coming in 2025. Whether you’re taking RMDs from your own IRA or you’ve inherited one, the rules have changed (again), and failing to follow them could mean a 25% penalty.

What You’ll Learn:

📞 Call 800-725-7616 to request: