On The Money Radio Show with Jerry & Nick Royer

On The Money Radio Show with Jerry & Nick Royer

By Nick RoyerSociety & Culture
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On The Money Radio Show with Jerry & Nick Royer episodes

  • The Millionaire’s Checklist & Retirement Scorecard Game Show
    This week’s “On the Money with Jerry & Nick Royer” zeroed in on the real keys to lasting retirement success—protecting your nest egg against inflation, market risk, and taxes. Jerry and Nick, acclaimed father-and-son financial coaches, highlighted how the financial landscape has changed drastically, with rising home prices and soaring everyday costs. Through practical examples and a touch of humor, they emphasized the importance of having a balanced retirement strategy that includes growth-oriented investments, multiple income streams, and realistic inflation protection.

    They also discussed the common missteps retirees make, such as underestimating future healthcare expenses or assuming estate planning is just for the wealthy. Listeners learned why relying solely on market investments or ignoring inflation can leave retirees vulnerable, and how tools like the “Retirement Scorecard” and a free toolkit from Group 10 Financial can help identify gaps. Jerry and Nick urge retirees to think of spending in retirement as a marathon (not a sprint) and advocate for strategies that adapt with changing times and personal goals.


    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • Beyond the Will: Building a Bulletproof Retirement Plan
    This week on "On the Money," father-and-son financial coaches Jerry and Nick Royer tackled the necessity of building resilient retirement strategies amidst unpredictable market events—what experts call "black swans." With market downturns, inflation, health care, and taxes posing real threats to retirees, Jerry and Nick emphasized the importance of a comprehensive, all-weather financial plan. Listeners learned about the pitfalls of making assumptions about Social Security, the growing trend of "work optional" retirement, and how outdated advice can leave many unprepared for today’s reality.

    A key focus of the show was the “bucket strategy”—a simple, visual way to organize retirement savings into short-term, medium-term, and long-term buckets, protecting essential income while allowing for growth. The Royers shared practical answers to questions about estate planning, long-term care, and whether it’s prudent to retire with a mortgage. Their message: retirement planning is not “set it and forget it.” Regular reviews, tax-smart distribution strategies, and stress tests are crucial to keeping retirees in control even as conditions change.

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • Practical Strategies for Retirement Planning and Managing Financial Anxiety
    In this week's On the Money show with Jerry and Nick Royer, the focus shifted towards practical strategies for retirement planning and managing financial anxiety. They addressed the concept of a financial checkup, emphasizing its importance much like a physical health exam, to identify and mitigate potential risks. The hosts detailed the five-step process of a financial checkup—starting with evaluating current financial situations and creating strategies to enhance financial security. They underlined the significance of strategic adjustments and ongoing maintenance to ensure a robust financial plan.

    Moreover, Jerry and Nick offered insights into avoiding common retirement pitfalls and stressing the importance of setting up retirement spending guardrails to manage expenses wisely during different retirement phases. They further highlighted the importance of stress testing retirement plans to withstand market downturns and unexpected expenses. For those managing finances on their own for the first time, they encouraged seeking professional guidance and creating a comprehensive financial inventory map.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • Politics, Powell & Your Portfolio + The Reality of Retirement Spending
    In this week's episode of "On the Money" with Jerry and Nick Royer, the renowned father-son financial coaching duo delves into the importance of strategizing for retirement amidst a volatile market. They emphasize the unpredictability caused by political tensions, such as the ongoing disputes between President Trump and Fed Chairman Jerome Powell, which can create significant market uncertainties. Drawing analogies to building a sandcastle in a storm, the Royers advise listeners to develop strong retirement plans to weather market fluctuations. They discuss the significance of diversifying income sources such as Social Security, pensions, and investments to protect against both inflation and unexpected market downturns.

    The show also highlights the misconception that retirees can live off a fixed percentage of their pre-retirement income. With evolving needs in the "go-go," "slow-go," and "no-go" retirement phases, Jerry and Nick stress the importance of tailoring one's retirement plan dynamically. They warn against outdated rules like simply withdrawing 4% annually, advocating instead for a flexible and growth-oriented strategy that adapts to changes in individual circumstances and market conditions.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • The Million-Dollar Tax Trap, Hidden Obstacles & Retirement MythBusters
    In this week's On the Money Show, Jerry and Nick Royer discuss the challenges retirees face. Through their analogies, they illustrate that taxes, inflation, and unforeseen market events eat away at savings, much like a Labrador on a leather recliner. They reveal how unplanned withdrawals, especially from accounts like IRAs, are detrimental and stress the necessity for a well-thought-out tax plan to avoid what they call a "tax tidal wave." They further elaborate on the importance of shifting from growth to income-focused strategies and using certain tools to manage tax liabilities effectively.

    The Royers introduce their audience to the "retirement bucket strategy," a method that allocates funds into three categories: the "now bucket" for immediate needs, the "soon bucket" for the near future, and the "later bucket" for long-term growth. The goal is to ensure funds have a purpose and are strategically deployed to maximize income over a lifetime while mitigating risks associated with relying too heavily on investment growth. The show encourages listeners to abandon the complacency that might come with reaching the millionaire milestone and instead to adopt a structured plan that can handle life's unpredictable twists.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • The Big Beautiful Bill + Retirement Threats
    This week on "On the Money with Jerry and Nick Royer," the father and son duo discussed the latest financial opportunities stemming from a new piece of legislation, dubbed the "big beautiful bill." This legislation is particularly beneficial for retirees and those planning for retirement. Key highlights include the permanence of previous temporary tax brackets and a new deduction for those aged 65 and over, which aims to decrease federal income taxes on Social Security benefits. Additionally, the bill introduces a charitable income tax deduction for non-itemizers and an increase in the estate tax exemption. However, these changes come with certain income thresholds and phase-outs, which require careful planning to maximize potential benefits.

    The Royers emphasized the importance of strategic financial planning to navigate these legislative changes and safeguard one's retirement savings. They addressed common pitfalls such as unexpected medical expenses, travel costs, and the financial implications of supporting both aging parents and adult children. Additionally, they highlighted the necessity of preparing for uncertainties like inflation, market volatility, and future tax rate changes. This episode provided listeners with vital insights into maintaining financial stability and seizing new fiscal opportunities during retirement.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • Global Conflict, Hidden Obstacles and YOUR Retirement
    In this week's episode of "On the Money with Jerry and Nick Royer," the discussion focused on strategies to safeguard retirement savings against global instability and market volatility. The hosts explained how international conflicts can impact a retiree's portfolio, affecting investments through supply chain disruptions and fluctuating stock prices. They emphasized the need for a solid, diversified financial plan that goes beyond traditional mutual funds to include alternative investments and liquidity. This approach is intended to maintain stability and avoid panic-driven decisions that can compromise a retirement plan's integrity.

    The episode also introduced Jerry and Nick's popular "bucket strategy," which divides finances into short-term, medium-term, and long-term investments to balance growth with protection. As part of this planning, it was highlighted that retirees should prepare for unforeseen expenses like healthcare shocks and taxes, which can erode savings if unanticipated.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • 6 Critical Risks You Need to Plan for & Lessons of Retirements Past and Present
    This week's episode of "On the Money with Jerry and Nick Royer" focused on navigating the complexities of retirement planning amid changing financial landscapes. The hosts, discussed crucial retirement risks, including sequence of returns risk, withdrawal rate risk, health care costs, taxation, inflation, and longevity. They emphasized how early losses can severely affect savings, explaining such risks through real-life examples to stress the importance of a well-structured plan. Jerry and Nick also highlighted the increasing financial burdens that modern retirees face compared to previous generations, such as the disappearance of company pensions and the growing reliance on 401(k) plans.

    In exploring effective strategies for securing a financially sound retirement, the show underscored the importance of a personalized approach tailored to individual circumstances. This includes maximizing Social Security benefits, establishing a reliable income through a private pension plan, and preparing for potential long-term care expenses. They advised against outdated rules like the 4% withdrawal and 70% living cost rules, promoting instead a comprehensive assessment provided via their Retirement Scorecard to identify and mitigate personal financial risks. By integrating new insights and strategies, Jerry and Nick aim to offer a clearer path to retirement security, helping clients avoid common pitfalls and adapt to the ever-evolving financial environment.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • The Retirement Red Zone: Five Moves You Should Make Now
    This week's "On the Money with Jerry and Nick Royer," focuses significantly on the concept of the "retirement red zone," a critical period spanning 10 years before and after retirement. During this time, decisions made can significantly impact one's financial future. The hosts emphasize the importance of this period, where precision and strategy are crucial. They discuss the necessity of having a solid income plan, addressing risks such as market volatility, taxes, inflation, and healthcare costs. The program offers strategies for financial planning during this period to ensure a stable retirement, including a complimentary 15-minute strategy session to assess one's retirement plan and needs.

    The hosts further explain that many individuals are underprepared for retirement, often lacking a comprehensive plan that accounts for these factors. They highlight the misconception that retirees can live on a reduced portion of their pre-retirement income, pointing out that lifestyle expenses may remain constant or even increase due to the additional free time. The show encourages listeners to reassess their financial strategies, emphasizing the need for reliable monthly income streams derived from accumulated assets.


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

    For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/
    58 min
  • 3 Opportunities in a Down Market + Your 401K is NOT a Retirement Plan
    The radio podcast episode features Jerry and Nick Royer, hosts of "On The Money," discussing strategies for retirement planning and addressing concerns regarding market volatility, taxes, and risk management. The Royers emphasize the importance of having a well-rounded financial plan that includes multiple income sources, growth potential, and tax efficiency, likening it to a DC-10 aircraft needing all three engines to stay airborne. 

    What are some opportunities to try and take advantage of in a down market? And why is your 401K not the only part of a retirement plan? Plus, Nick & Jerry clear up six common myths about retirement on this week's show.


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

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

About On The Money Radio Show with Jerry & Nick Royer

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Join America's Father & Son Retirement Wealth Team, Jerry and Nick Royer, as they co-host the On The Money with Jerry & Nick Royer Radio Show which is your one stop show for financial tips and…