In this episode of the Money Mastery Unleashed podcast, host Adam Olson breaks down a major legislative development that could reshape the financial future of millions of retirees—the proposed elimination of taxes on Social Security benefits through the Senior Citizens Tax Elimination Act (H.R. 1040). With over 40% of recipients currently subject to federal taxes on their benefits, this legislation could bring long-overdue relief to middle-income retirees and significantly impact retirement planning across the country.

Adam shares expert insights from years of helping retirees optimize income, and explains why the Social Security tax trap is one of the biggest—and most surprising—financial burdens retirees face. He outlines how provisional income currently triggers benefit taxation, the issue of double taxation, and how stagnant income thresholds from 1983 continue to hurt today’s retirees.

You’ll learn:

• Who would benefit most from the proposed tax elimination

• How it could change your retirement income strategy

• What financial planning moves to make right now

• Why resilient, value-based planning is essential during legislative uncertainty

• Specific strategies like value-based sequencing, optional preservation, and scenario testing

Discover how to stay proactive, reduce anxiety, and be ready to pivot your strategy—regardless of whether this legislation passes. Whether you’re retired or approaching retirement, this episode gives you the tools and mindset needed to plan with confidence and clarity.

Want to see how this potential change affects your specific retirement situation? Click the link in the show notes to complete a short questionnaire and receive a free personalized video breakdown of your plan. Be ready so you don’t have to get ready.

“The Social Security tax trap is one of the biggest financial surprises waiting for retirees—and it affects millions every year.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

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Retirement Quiz

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Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

In this episode of the Money Mastery Unleashed Podcast, host Adam Olson uncovers the biggest financial regrets shared by millionaires over 75 years old. While many assume that wealth equates to financial security and peace of mind, Adam reveals a surprising truth—many successful retirees harbor deep regrets about their past financial decisions, and their mistakes hold valuable lessons for everyone looking to secure their financial future.

Through years of experience working with high-net-worth individuals, Adam has identified a consistent pattern of financial missteps, which he calls the Success Regret Paradox—where individuals achieve financial success yet still feel a profound sense of dissatisfaction. In this episode, he unpacks three of the most common regrets among wealthy retirees and provides actionable strategies to help you avoid making the same mistakes.

Key Takeaways:

• Lifestyle Creep Trap – How continuously upgrading your standard of living can unknowingly add years to your career.

• Purpose Postponement – The hidden cost of deferring personal fulfillment in the pursuit of more wealth.

• Financial Isolation – Why failing to integrate wealth with family and purpose can leave retirees feeling disconnected and unfulfilled.

Whether you’re just starting your investment journey or nearing retirement, this episode will shift your perspective on financial planning and wealth accumulation. Don’t just aim for financial success—create a life of meaning, purpose, and fulfillment.

🎯 Ready to take control of your financial future? Click the link below to complete a short assessment, and Adam will personally send you a customized breakdown of how to optimize your retirement strategy.

Listen now and start making smarter financial decisions today!

“The biggest financial mistake isn’t losing money; it’s sacrificing purpose, relationships, and freedom in pursuit of it.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

Facebook

Personal Website

Business Website

Retirement Quiz

--

Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

The Advantages of Retiring After 60: Optimizing Health, Wealth, and Benefits

This episode explores the significant benefits of retiring after the age of 60. It challenges outdated perceptions of early retirement by presenting modern data on longevity, healthcare costs, and financial trends.

Key points discussed include the proximity to Medicare and Social Security benefits, peak earning and saving years in the fifties, and strategies for managing healthcare costs and optimizing Social Security.

The host introduces the Red Zone retirement planning process, emphasizing a coordinated approach to wealth, healthcare, and social security for a more secure and fulfilling retirement. Viewers are encouraged to consider these factors and fill out a questionnaire to receive a personalized retirement strategy.

00:00 Introduction: The Shift in Retirement After 60

00:42 Why Retiring After 60 is Optimal

02:04 Healthcare Benefits Post 60

03:39 Social Security Optimization

05:49 Maximizing Earnings and Savings in Your 60s

07:50 Planning for a Healthy and Active Retirement

09:29 Implementing Your Post 60 Retirement Plan

12:23 Conclusion: Leveraging Post 60 Retirement Strategies

Many retirees unknowingly make critical mistakes when withdrawing money from their retirement savings, potentially losing thousands of dollars to unnecessary taxes, market risk, and inefficient planning. In this episode, host Adam Olson breaks down the three biggest withdrawal strategy mistakes he has identified after analyzing over 100 different retirement income plans. These errors, which even experienced financial advisors often overlook, can drastically impact a retiree’s financial security and long-term wealth.

Listeners will learn why focusing solely on growing assets isn’t enough; the real key to a secure retirement is understanding how to withdraw funds strategically. Through the Withdrawal Coordination Principle, Adam explains how a dynamic approach to retirement withdrawals can increase income longevity—without requiring additional savings.

Key Takeaways:

• Why the Withdrawal Strategy Blind Spot causes retirees to focus on assets instead of income.

• The dangers of static withdrawal sequencing and how rigid planning can cost thousands in taxes.

• How to avoid the RMD Timing Trap and plan ahead for tax-efficient distributions.

• Why tax diversification imbalance can limit financial flexibility and increase tax burdens.

• Actionable strategies to optimize withdrawals and create a sustainable retirement income plan.

If you’re serious about maximizing your retirement income, don’t leave it to chance. Click the link in the description to complete a short questionnaire, and Adam will personally send you a custom video outlining the best withdrawal strategy for your situation. Take control of your retirement today!

“A magic number won’t give you a secure retirement—an income strategy will.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

Facebook

Personal Website

Business Website

Retirement Quiz

--

Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Most pre-retirees have no idea how much they’ll need per month to retire comfortably, and many retirement planning tools don’t help—they assume spending stays constant over time. But in this episode, listeners will discover the truth about retirement spending patterns and why understanding these shifts can mean the difference between retiring early and working years longer than necessary.

Through real data from the Bureau of Labor Statistics, host Adam Olson breaks down retirement spending into three key phases: the Go-Go Years (ages 65-74), the Slow-Go Years (ages 75-84), and the No-Go Years (85+). Listeners will learn how discretionary spending on travel and entertainment peaks early in retirement, healthcare costs rise later, and transportation and housing expenses typically decrease over time. This insight challenges conventional retirement planning wisdom and reveals how outdated financial models could be pushing people to delay retirement unnecessarily.

Key Takeaways:

• Most retirement calculators overestimate lifetime spending by 15-25%, potentially adding years of unnecessary work.

• Spending decreases as retirees age, with later years requiring less than commonly assumed.

• A strategic approach—factoring in spending phases—could allow for early retirement while ensuring financial security.

• The “Red Zone Retirement Planning” strategy helps retirees optimize their spending and investments for maximum freedom.

Ready to take control of your retirement plan? Get a personalized video analysis of your retirement timeline by clicking the link in the description.

“Without clarity on spending, you risk depleting your savings prematurely or working longer than necessary.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

Facebook

Personal Website

Business Website

Retirement Quiz

--

Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

The Ultimate Retirement Budgeting Formula Revealed: Secure Your Financial Future

How much you need to retire quiz: https://adamdolson.com/retire-quiz/

In this video, discover a transformative retirement budgeting formula that goes beyond traditional advice. Learn how to categorize your expenses into essential, discretionary, and one-time costs to eliminate financial stress and boost your retirement satisfaction.

Get practical tips on estimating expenses, managing taxes, and monitoring your budget to maintain financial security and enjoy your golden years.

.00:00 Introduction to Retirement Budgeting

00:40 Breaking Down Essential Expenses

01:32 Understanding Discretionary Expenses

01:59 Planning for One-Time Expenses

02:39 Calculating and Adjusting Your Budget

04:23 Managing Taxes in Retirement

05:06 Monitoring and Adjusting Your Budget

06:18 Implementing Your Retirement Spending Plan

09:16 Conclusion and Next Steps

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📢 Disclosure:All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Contact a tax advisor for tax advice specific to your situation.

Most pre-retirees believe that saving more money means a more secure retirement—but what if that mindset is actually holding you back? In this episode, host Adam Olson dives into the over-saving trap, a common financial mistake that leaves retirees living well below their means, missing out on the life they worked so hard to build. Instead of securing financial freedom, they create a self-imposed financial prison.

Adam breaks down why fear of market downturns, healthcare costs, and running out of money cause many to delay retirement unnecessarily or drastically underspend when they don’t have to. With real-life examples and practical financial strategies, this episode uncovers why a structured retirement income plan is more important than just accumulating a big savings balance.

Key Takeaways:

• More savings doesn’t equal more security—structured income does.

• The retirement red zone (5-10 years before and after retirement) is the most critical period for financial decisions.

• Delaying retirement due to fear can steal your best years and lead to unnecessary work stress.

• Creating tax-efficient income streams prevents a financial “tax bomb” later in retirement.

• True legacy isn’t just about passing down wealth—it’s about using your wealth wisely today while securing generational financial stability.

If you’re ready to rethink your approach to retirement and start living freely without fear, this episode is for you. Click the link in the description to get a free, personalized retirement analysis and make sure your money is working for you—not against you.

“The greatest risk in retirement isn’t running out of money; it’s never truly living because you’re too afraid to spend.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

Facebook

Personal Website

Business Website

Retirement Quiz

--

Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

Transform Your Retirement: 10 Proven Strategies to Stop Overspending

In this episode, learn how to control overspending in retirement with 10 actionable strategies. Discover insights from working with hundreds of retirees, why traditional budgeting fails, and psychological factors influencing spending. Learn practical steps such as identifying spending blind spots, mindful spending, and creating realistic budgets. Equip yourself with tools like automation and behavioral modifications for lasting financial security and joy in retirement. Click the link in the description for a personalized video analysis to help you retire comfortably.

00:00 Introduction: Overcoming Retirement Overspending

00:47 The Growing Problem of Retirement Overspending

01:05 Identifying the Causes of Overspending

02:55 Strategies to Regain Control of Retirement Spending

03:07 Detailed Spending Strategies

05:25 Behavior Modification Techniques

06:49 Systematic Changes for Long-Term Success

09:06 Implementing the Strategies for Financial Security

10:41 Conclusion and Next Steps

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Many assume that hitting a $2.5 million savings milestone means instant financial freedom in retirement. But as today’s episode reveals, having substantial wealth doesn’t automatically mean you’re ready to retire. One of the most complex situations financial advisors encounter isn’t a lack of money—it’s uncertainty, fear, and the challenge of transitioning from accumulating wealth to using it wisely.

In this episode, host Adam Olson explores a real-life client case study: a couple in their early 60s with $2.5 million in retirement savings, yet they found themselves paralyzed by financial unknowns. From market downturn concerns to tax-efficient withdrawal strategies, they struggled with key decisions that kept them from stepping into the retirement they had worked so hard to achieve. The husband, despite financial security, remained tied to his job because his identity and purpose were wrapped up in his career.

Listeners will gain powerful insights into:

• Why a high net worth doesn’t guarantee retirement readiness.

• The key financial and psychological roadblocks keeping people from retiring.

• How to create a guaranteed income stream for retirement stability.

• The importance of defining purpose beyond work to avoid an unfulfilling retirement.

• How the right planning process can provide clarity, confidence, and financial peace.

If you’re wondering whether you’re truly ready to retire—or if you’re stuck in financial indecision—this episode is a must-listen. Take the first step toward financial confidence by clicking the link below for a personalized retirement assessment and discover what’s truly possible for your future.

“Retirement isn’t about reaching a magic number—it’s about building a plan that gives you peace of mind, financial security, and a purpose-driven future.” - Adam Olson

Learn more about Adam Olson by visiting the following links:

Facebook

Personal Website

Business Website

Retirement Quiz

--

Investing involves risk, including loss of principal.  

 Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions.  Any strategies discussed may not be suitable for everyone. 

Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.  Adam Olson, Representative.  Mutual of Omaha Investor Services is not affiliated with any entity listed herein. 

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.

Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties.  Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

In this Episode, Adam Olson discusses the feasibility of retiring at 60 with $750,000 saved. Olson walks viewers through the income potential from a $750,000 portfolio using the 4% rule, healthcare considerations before Medicare kicks in, smart withdrawal strategies, and his nine-step Work Freedom framework.

He emphasizes the importance of a phased retirement, investment allocation for different life stages (go-go years, slow-go years, and no-go years), and strategies to reduce taxes through Roth conversions and potential reverse mortgages.

The video concludes with tips on social security timing, healthcare planning, and the necessity of continuous monitoring and adaptability in a retirement plan.

00:00 Introduction: Can You Retire at 60 with $750,000?

01:06 Understanding Your Income Potential

01:35 Navigating Early Retirement Challenges

03:02 Smart Withdrawal Strategies

04:17 Bridging the Gap to Early Retirement

05:04 Investment Strategies for Different Retirement Phases

08:04 Tax Strategies to Maximize Your Retirement Income

09:35 Key Decision Points: Social Security and Healthcare

11:12 The Complete Work Freedom Framework

14:37 Conclusion: Building Your Work Freedom Timeline

Disclosure:All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Contact a tax advisor for tax advice specific to your situation.

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