On this episode of Fire Your Financial Advisor:

• Can you “break the bank” on a retirement whim?
• Sometimes boring is better with investing.
• Is Vanguard taking it too far?
• When the estate had bills, how much do you have to pay?

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If your kids are shocked by what’s in your will, the damage may already be done.

On this episode of Fire Your Financial Advisor, Greg Aler digs into why inheritances so often spark family conflict and how unclear estate planning can turn grief into litigation. Greg draws from years as an estate attorney to explain common flashpoints—unequal distributions, family businesses, estranged children, and last‑minute changes—and why will contests almost never end well. The conversation focuses on intent, communication, and documentation, highlighting why tough conversations held early can shape very different outcomes later.

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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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