You can fix a lot of financial mistakes later. Missing December 31st isn’t always one of them. In “Q4 Is the Only Quarter That Can’t Be Redone,” Jerry and Nick Royer reveal the retirement decisions that come with a ticking clock—and what can happen when a valuable opportunity slips into January. From Roth conversions and Medicare deadlines to forgotten accounts, outdated beneficiaries, taxes, and investment risk, they’re giving your financial life a year-end cleanup before the calendar makes some of those decisions for you.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Your car has a check-engine light—but your retirement plan doesn’t. In “The Warning Lights You Should Be Looking At,” Jerry and Nick Royer uncover the less-obvious signs that your retirement strategy may need attention, from not knowing where your next paycheck will come from to missed tax opportunities, outdated beneficiary forms, and a plan that’s never been stress-tested. Plus, they explore why some retirement decisions come with a ticking clock—and why spotting a potential problem early can give you far more options than discovering it after the door has already closed.













For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Market volatility is inevitable, but your retirement doesn't have to be derailed by it. In this episode, Jerry and Nick Royer explain how to prepare for market downturns with a retirement income strategy designed to weather uncertainty, avoid common mistakes, and help keep your long-term financial goals on track.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Are you making retirement decisions with confidence—or relying on outdated rules of thumb? Jerry and Nick Royer discuss the five biggest retirement questions and explain how thoughtful planning for income, taxes, investments, and legacy can help you avoid expensive mistakes.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

"Are you managing your portfolio—or is it managing you?"
When the market takes a nosedive, most retirees discover if their future can weather the storm—or if they're left reacting in the dark. In this episode, Jerry and Nick Royer reveal the silent shifts that can sabotage decades of careful saving and expose the difference between truly proactive planning and simply hoping for the best. From stress testing your nest egg to critical ages and hidden pitfalls, tune in to explore the conversations and strategies every retirement plan needs—before the unexpected strikes.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

What if a market dip could wipe out years of your hard-earned savings—are you prepared for the “say what?” moments that catch retirees by surprise? Discover how America's father-and-son financial coaches, Jerry and Nick Royer, stress-test 401ks and debunk the famous 4% rule. Learn how hidden risks, income layering, and overlooked tax moves may shape your retirement reality. Find out why surviving the storms is about more than averages, and see if your plan has built-in protection—or just wishful thinking.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Jerry and Nick go over seven areas that indicate you may not be ready for retirement, including not having an income withdrawal strategy, no health insurance plan if you want to retire before age 65, not planning for taxes, not optimizing Social Security, and more.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

What happens when a lifetime of saving can vanish in a single year? Nearly half of inheritances evaporate before families even realize the pitfalls. Join Jerry and Nick Royer, America’s father and son financial coaches, as they unravel the emotional traps, critical planning mistakes, and overlooked opportunities that determine whether a legacy lasts—or just slips away. This episode explores how smart strategies—and a little knowledge—could make the difference between fleeting wealth and lasting impact.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

“What if the biggest retirement risks aren’t markets—but milestones you missed?” This episode breaks down the critical ages that quietly reshape your taxes, income, healthcare, and Social Security decisions. From early retirement access rules to required withdrawals and Medicare deadlines, each checkpoint carries consequences most people don’t see coming. The conversation reveals how timing—not just savings—can determine whether retirement feels secure or stressful.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Ever wonder if your nest egg is truly safe from stealthy taxes and market swings during retirement’s final yards? As Jerry and Nick Royer unravel the secrets behind the “Retirement Red Zone,” listeners discover hidden risks, overlooked tax strategies, and the real reasons annuities spark controversy. This episode blends football analogies, lively debate, and candid advice to spotlight how pivotal decisions may shape your retirement paycheck. Ready to see which play keeps your money on your field—not Uncle Sam’s? Key details will be unveiled, but the winning moves stay shrouded until you tune in.

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/