Planning Matters Radio

Planning Matters Radio

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Planning Matters Radio episodes

  • Why a Financial Plan Matters More Than Ever for Retirement Readiness
    New data shows a clear link between retiring with confidence and having a financial plan. In this video, Peter with Richon Planning and Erin Kennedy break down a recent study that found only 19% of adults have a retirement strategy in place — but those who work with a financial professional are twice as likely to save, plan, and feel confident about reaching their goals (84% vs. 58%). They also discuss other key insights from the 2025 Wealth Watch including: Why are fewer Americans saving for retirement? How can a financial plan help you stay ahead of inflation and debt? Source: New York Life Wealth Watch 2025 If you would like help creating a financial plan that will help you retire with more money and more confidence, reach out to Peter by calling (919) 300 - 5886 or visit www.RichonPlanning.com
    13 min
  • What the "Big Beautiful Bill" Could Mean for Your Retirement

    Big changes are on the horizon, and they could affect your retirement income, taxes, and estate plan. In this video, Peter with Richon Planning and Erin Kennedy break down what's in the new legislation (aka the "big beautiful bill") and how retirees can prepare now to take advantage of the benefits or avoid potential pitfalls.

    Two of the biggest takeaways affecting retirees: a possible reduction in your taxable income and a longer runway to take advantage of today's historically low tax rate, i.e. it's still a great time to consider a Roth Conversion.

    If you'd like to talk through these changes with Peter, please call (919) 300-5886 or visit www.RichonPlanning.com

    14 min
  • 6 Things To Know About The Roth IRA

    Roth accounts are one of the best ways to create tax-free money and generational wealth. They also offer some truly unique benefits when it comes to saving for retirement. In this video, Peter with Richon Planning and Erin Kennedy lay out 6 things you need to know about the Roth IRA:

    1. Roth IRA Contributions Are Not Tax-Deductible But Grow Tax-Free

    2. You Can Withdraw Roth IRA Contributions Out at Any Time

    3. There's No Age Limit For Contributions

    4. There Aren't Any Required Minimum Distributions

    5. Annual Contribution Limits Are Fairly Low

    6. There is an Income Cap

    We are currently living in a historically low tax rate. Now is the time to consider contributing to a Roth, or possibly even converting some of your tax-deferred dollars into tax-free dollars. To crunch the numbers with Peter, please call (919) 300-5886 or visit www.RichonPlanning.com

    11 min
  • The Correct Order To Build Wealth (Most People Get it Wrong)
    You can't save your way to rich. Saving is crucial for financial security and short-term goals, but it's usually not enough to build wealth. Which is why, when it comes to building wealth, there's a general order of operations. Peter with Richon Planning and Erin Kennedy break down that order, which is: 1. Get that 401(k) match 2. Build your emergency fund in a HYSA 3. Max out your Roth IRA. 4. Max out your HSA and 401(k) 5. Invest outside retirement That being said, while this order is a great rule of thumb, it might not be right for you. Depending on your unique goals and investing opportunities, your list might be a bit different. To learn how and where you should be investing, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com
    14 min
  • The Number One, Most Important Factor Determining Your Retirement Success: Income

    The Countdown to Retirement continues! Now, for the number one, most important factor determining your retirement success: income. Your income, not your account balance, is what determines your quality of life in retirement.

    According to a study by the Alliance for Lifetime Income, 80% of retirees with protected lifetime income say they're confident they won't outlive their money , compared to just 33% of those without it. In this video, Peter with Richon Planning and Erin Kennedy break down how an investment plan differs from an income plan, and why in retirement, our income is much more susceptible to market volatility.

    Nearly 70% of pre-retirees say their biggest concern is generating enough reliable income to last a lifetime. If that's you, take action! Download "The Countdown to Retirement"—a guide that challenges conventional wisdom and helps you craft a plan that safeguards your lifestyle, comfort, and peace of mind. And don't forget to check out the other videos in this special series, as we Countdown to Retirement!

    Visit www.RichonPlanning.com, or call Peter at (919) 300-5886. 📚

    18 min
  • Dash Town: Barbara Patterson and Meike Weist | Arosa

    Join Peter Richon on Dash Town — highlighting local businesses making an impact in Fuquay! We sat down with Barbara Patterson, Regional Director, and Meike Weist, Care Manager and Guardian Supervisor with Arosa, a care-managed agency providing in-home caregiving and professional care management for seniors.

    Barbara and Meike work out of the Fuquay-Varina office, serving families across the Triangle and supporting Arosa's broader mission to improve quality of life for both clients and caregivers nationwide. With a focus on holistic, person-centered care, Arosa brings together trained caregivers and experienced care managers to help older adults age with dignity, safety, and independence.

    Whether it's coordinating long-term care, supporting guardianship needs, or providing hands-on help at home, Barbara and Meike bring expertise and heartfelt dedication to every case they manage.

    To learn more about Arosa or inquire about services, call (919) 567-8200 or visit arosacare.com.Dash Town: Barbara Patterson and Meike Weist | Arosa

    19 min
  • Structuring Wealth: Tax and Estate Planning Insights with Kristin Williams

    Financial advisor Peter Richon of Richon Planning speaks with Kristin Williams, Executive Vice President of Advanced Tax Planning at Succession Capital. Their conversation explores how advanced tax and estate planning strategies can support long-term financial organization and decision-making. They cover topics such as trust structures, business transitions, multi-generational planning, and the coordination of tax and estate strategies. Kristin offers perspective on how individuals and families can approach complex planning needs with greater clarity, especially when managing significant assets or preparing for future transitions. This discussion highlights ways to think more strategically about wealth, legacy, and structure—both during life and beyond. For questions, contact Peter at (919) 300-5886 or visit www.RichonPlanning.com.

    14 min
  • The 2 Questions You Need to Answer before You Retire
    The Countdown to retirement continues! As you get closer to retirement, a lot of questions start popping up, but two stand out as the most important to answer before you hand in your notice. As Peter with Richon Planning explains to Erin Kennedy, those two questions are: 1. What single financial risk could make the biggest impact on your retirement? 2. How can you eliminate the possibility of this risk ruining your retirement income? If you'd like to learn how to prepare for a retirement with no known end date, or if you'd like Peter to stress test your income plan, take action! Download "The Countdown to Retirement"—a guide that challenges conventional wisdom and helps you craft a plan that safeguards your lifestyle, comfort, and peace of mind. And don't forget to check out the other videos in this special series, as we Countdown to Retirement! Visit www.RichonPlanning.com, or call Peter at (919) 300 - 5886.
    17 min
  • 4 Ways to Address Long-Term Care and Medical Expenses in Retirement
    The Countdown to Retirement continues! Listen to this: according to Fidelity, the average 65-year-old couple will need nearly $315,000 for healthcare in retirement, not including long-term care. But as Peter with Richon Planning and Erin Kennedy discuss, long-term care, isn't a "maybe" it's likely; 7 out of ten people will need long-term care at some point, and it's not covered by Medicare. Here are your options: 1. Traditional Long-Term Care Insurance 2. Linked Benefits 3. Self-Insure 4. Become a Dependent Of course, certain options are better than others. But determining what's right for you, can be difficult. If you'd like to find out which option is best for you, download "The Countdown to Retirement"—a guide that challenges conventional wisdom and helps you craft a plan that safeguards your lifestyle, comfort, and peace of mind. And don't forget to check out the other videos in this special series, as we Countdown to Retirement! Visit www.RichonPlanning.com, or call Peter at (919) 300-5886.
    17 min
  • The 3 Biggest Retirement Expenses and How to Control Them

    We've made it to the top 3 in our Countdown to Retirement! In this video, Peter with Richon Planning and Erin Kennedy talk through the three biggest expenses you'll see in retirement; be sure these expenses are in your plan, or you may run out of money!

    1. Largest Known Expense: Taxes

    2. Largest Potential Expense: Healthcare

    3. The Silent Thief: Inflation

    The only way to combat the possibility of expenses exceeding assets is to have a written income plan for retirement.

    Ready to take action? Download "The Countdown to Retirement"—a guide that challenges conventional wisdom and helps you craft a plan that safeguards your lifestyle, comfort, and peace of mind. And don't forget to check out the other videos in this special series, as we Countdown to Retirement!

    Visit www.RichonPlanning.com, or call Peter at (919) 300-5886. 📚

    13 min

About Planning Matters Radio

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An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets…