Is your financial checklist ready for the end of the year? In this episode of Guard Your Savings, Dolph Janis shares practical tips for wrapping up 2025—from maximizing retirement contributions and RMDs to making charitable gifts and updating beneficiaries. Discover why small habits, monthly reviews, and a spirit of generosity can make a big difference in your financial future. Dolph shares real-life stories, budgeting strategies, and the importance of planning ahead—so you can enter the new year prepared and inspired. For more resources or to schedule a complimentary consultation, visit guardyoursavings.com.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Nearly 80% of women will become the sole financial decision-maker in their household—often decades sooner than expected. In this episode of Guard Your Savings, Dolph Janis shares eye-opening statistics and practical advice for women facing widowhood and financial independence. Discover why long-term planning matters, how to build trust with advisors, and strategies for creating guaranteed income and peace of mind. Dolph discusses the emotional and financial realities of managing money alone and why having honest conversations today can make all the difference tomorrow. Connect with Dolph at guardyoursavings.com for more resources.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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What if the biggest fear in retirement isn’t running out of money—but spending it? In this episode of Guard Your Savings, host and insurance professional Dolph Janis unpacks the emotional weight of “plutophobia”—the fear of money—and how it shows up when the paychecks stop. From go-go years to no-go seasons, they explore how mindset, planning, and confidence shape the retirement experience. With stories, analogies, and a few Seinfeld references, this episode offers a candid look at how to live well today without fearing tomorrow.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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What do Super Bowl tickets, a label maker, and a $6.5 million surprise have in common? They all reveal how gifting—done right or wrong—can shape a legacy. In this episode of Guard Your Savings, host and insurance professional Dolph Janis unpacks the emotional and financial layers of legacy planning. From overlooked beneficiary updates to the hidden costs of generosity, Dolph explores how thoughtful preparation can turn a gift into a lasting blessing. Whether you're passing down a business, or a binder, this conversation will get you thinking about what—and how—you leave behind.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis of Clear Income Strategies Group gets all over fees and how costly they can be. He compares ordering Doordash and the baked in fees to the extra fees some credit cards or asset accounts have. Dolph explains how important people knowing what they get for the fees is and how one of the first things he does with clients is stress test their accounts for the extra fees. Dolph also discusses the power of negotiating fees.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

If you want to attend either of Dolph’s seminars on Medicare, Social Security, and taxes on August 22nd or 23rd , call the office or go to GuardYourSavings.com to learn when and where these are and to RSVP. Light snacks and drinks will be provided.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis of Clear Income Strategies Group discusses the retirement income gap. Dolph talks about Tom Cruise’s comments on acting into his 100s if he could – because Cruise wants to - and how people should not have a retirement plan based on working past then they want to. So Dolph talks about calculating the income gap, what it means, how to prevent that gap, and three sources of guaranteed income in retirement.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

If you want to attend either of Dolph’s seminars on Medicare, Social Security, and taxes on August 22nd or 23rd , call the office or go to GuardYourSavings.com to learn when and where these are and to RSVP. Light snacks and drinks will be provided.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis of Clear Income Strategies Group digs into savings and uses a vacation discussion to get there. Dolph discusses three savings buckets – today, tomorrow, and never – and the importance of giving that saved money its jobs. Dolph then describes how this all fits into legacy planning and emergency funding. And Dolph shares how he can help people with this budget, by closely examining their retirement plans.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149. If you want to attend either of Dolph’s seminars on Medicare, Social Security, and taxes on August 22nd or 23rd, call the office or go to GuardYourSavings.com to learn when and where these are and to RSVP. Light snacks and drinks will be provided.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis of Clear Income Strategies Group gives the low-down on Social Security and explains how the system can be very complicated and also is not intended to fully replace someone’s income. Dolph also explains the two biggest mistakes or assumptions people make about Social Security and how helps people calculate the best strategy. Dolph also talks about winning a golf tournament and how virtual golf games compare to the real course.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149. If you want to attend either of Dolph’s seminars on Medicare, Social Security, and taxes on August 22nd or 23rd, call the office or go to GuardYourSavings.com to learn when and where these are and to RSVP. Light snacks and drinks will be provided.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis discusses a survey that reveals that two-thirds of Americans fear going broke over death. Dolph gives a couple of reasons why he thinks people are afraid and talks about three types of money and the type that a lot of people do not account for. He also explains a 15-minute exercise that people should do with their budget each week and an illustration with income planning that helps people realize they may have more money than they think.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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Dolph Janis talks about 29-year-old NASCAR driver Erik Jones and how quickly he reached 300 starts in the Cup Series. He compares that to how quickly retirement approaches for some people and notes how time never actually slows down or speeds up – it just seems like it does. Dolph talks about how there is never a wrong time to start preparing for retirement, but the earlier steps are taken, the better the result is likely to be. And Dolph tells of a bad interaction with a large company and how his smaller shop at Clear Income Strategies Group gives people a more hands-on approach in their portfolio planning.

Schedule a 20 min., complimentary “Ask Anything” session with Dolph here or call 704-919-0149.

Learn more about Dolph’s book “Cross the Bridge to Retirement” here.

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