On this episode:

• Headlines scream disaster—are you letting clickbait steer your retirement plan and risk tolerance?
• One Medicare premium bump can distract from the bigger IRA tax math—especially for spouses and heirs.
• A neat rule of thirds sounds simple—until your goals, emotions, and income needs refuse to fit the buckets.
• DIY investing feels great in your 60s—what happens when paperwork, health, and life events collide in your 70s?

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What are the pros and cons of dipping into your 401(k) to let your Social Security payment grow?

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On this episode:

• Coming to grips with watching your balance go down in retirement.
• Should you ever put personal money into a workplace 401(k)?
• What happens when your advisor invests your money in ways you never asked for?

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Everyone loves to hate annuities—yet $464 billion poured into them last year. What do all those retirees know that the loudest critics don’t?

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On this episode:

• Without all that employer income, why do retirees get into tax troubles?
• IRAs often look like savings—but they can turn into one of the biggest tax liabilities retirees and their families face.
• A headline promises to boost your 401(k), but what’s actually being added behind the scenes?

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On this episode:

• The fallacy of “When you do better, we do better.”
• Hidden costs that may surprise you in retirement.
• Many happy retirees have established this bucket of money.

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Being debt free is a great goal in retirement. But at what cost? Sometimes paying off that mortgage makes more psychological sense than financial sense.

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70 percent of us will need some kind of care in our elder years. That care could be VERY expensive. Saying, “That will never happen to me” is not a good strategy.

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On this episode:

• Why retirees keep making the same mistake: Your money keeps growing, but fear holds you back from spending—until you realize the real risk isn’t spending too much, it’s not living enough.
• The Roth conversion timing trap: Move too slowly and taxes explode later; move too fast and Medicare costs jump—finding the right window can save tens of thousands over retirement.
• Why fees feel invisible but hit hard: Like Medicare, the more you have, the more you pay—often for the same service—raising the question of what your advisor is really earning each year.

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How much do you charge? How do you deal with risk, inflation, taxes, and Social Security? These are all good questions for your financial advisor. We discuss a question that may be a deal breaker.

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See omnystudio.com/listener for privacy information.