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Refining Retirement
By Chaesare GrayBusiness
Refining Retirement episodes
- Navigating Retirement’s Hidden Curveballs“Is everything you’ve planned for retirement enough, or are there crucial pieces you’ve overlooked?” From emotional hurdles to tax and Social Security surprises, Brad Ford peels back the curtain on what really shapes your retirement journey. Hear cautionary tales, retirement planning insights, and the real-life roller coaster of stepping into your next chapter. Discover the questions most retirees never think to ask—without learning the hard way.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Don’t Procrastinate: Get Your House in Order“What happens if you never get around to it?” Brad Ford shares harrowing personal health stories and the sudden loss of colleagues, shining a light on how easily life’s plans can be derailed—and why inaction may leave loved ones in chaos. With a candid tone and honest urgency, this episode dives into the pitfalls of financial and estate procrastination, the relief that comes from action, and the simple steps most people overlook. Discover how the smallest act today can spare your family stress tomorrow—before it’s too late.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Active vs Passive Income & Mailbag QuestionsRetirement success isn't just about reaching your financial goals. It's about having a plan for what comes next. This episode covers income and tax planning, Social Security decisions, estate planning lessons, managing debt, evaluating early retirement offers, handling major financial windfalls, and answering listener questions designed to help create a more confident retirement future.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Guarding Your Dreams: Retirement Made SaferAre you sure your retirement plan is ready for today’s challenges?” From rising inflation and unexpected medical bills to the rise of financial scams, Brad Ford breaks down the hidden threats and vital strategies facing retirees. Explore how clarity, control, and a written income plan can bring confidence in uncertain times. The most surprising risks—both visible and invisible—are discussed, sparking questions you’ll want answered.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Mailbag Questions 20“Is debt quietly sabotaging your dreams of retirement?” Join Brad Ford as he peels back the layers on what keeps most Americans from saving for the future—including invisible pitfalls like procrastination, skyrocketing inflation, and the surprising impact of small financial missteps. Discover which debts may help or hinder your goals, the overlooked benefits of proactive planning, and why a few missed deadlines can cost thousands in the long run. This candid conversation explores the real-life challenges and untold stories facing retirees—offering insights to help protect what matters most without giving everything away.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Navigating Retirement’s Unlikely ChallengesWhy do parents feel more confident about retirement than those without kids—despite all those extra expenses? Discover surprising research, personal stories, and tough-but-necessary conversations that shape retirement planning. With humor and honesty, Brad and Dana reveal the invisible pressures, unexpected setbacks, and moments that can quickly redefine your future. What’s the missing link in feeling secure about your golden years?
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Money Mindset Shifts for Retirement Freedom"What makes it so hard to spend what you've spent a lifetime saving?" This episode explores the complex emotions behind shifting from saver to spender in retirement, even for the wealthiest households. From the universal fear of running out, to hidden tax traps and family gifting dilemmas, Brad’s team unpacks the mindset challenges and careful strategies that shape a fulfilled and lasting retirement. Discover why a plan is more essential than a dollar amount—and what surprises might await without one.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Retirement Freedom: Avoiding Costly Mistakes“What’s lurking beneath your financial foundation?” Many retirees are blindsided by tax surprises, risky portfolios, and estate headaches—flaws often invisible until it’s too late. In this solo episode, Brad Ford invites listeners into his office for a candid look at ‘Living the Dream’ visits, where the smallest mistake can snowball into big problems. Discover real-life stories, overlooked pitfalls, and why simple planning steps now might save your legacy for years to come—without giving away the ending.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Retirement Made SimpleAre you and your partner on the same page about risk and retirement? Brad Ford shares stories about couples with different approaches, guiding listeners through building a personalized plan—even when perspectives clash. Discover how “crash tests,” careful analysis, and open conversations help ensure your financial house is strong for the future. Whether you’re hands-on or prefer to leave the details to someone else, Brad’s practical advice simplifies the process to bring peace of mind and confidence as you plan for the retirement you want.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min - Museum of Your MoneyAre you making financial choices without seeing all the threads they pull? Dive into the complex web of retirement planning with Brad Ford, where a simple decision—like buying a car or planning a trip—can ripple across your entire financial future. Through stories, candid advice, and interactive Q&A, Brad unpacks how everyday actions affect everything from tax brackets to healthcare costs and retirement income. Explore the “go-go, slow-go, and no-go” years, discover practical ways to enjoy community resources, and learn why even “free” museum visits can enrich your life in unexpected ways. Tune in for clear, practical strategies and insights that help bring order—and maybe even joy—to the big, messy questions of retirement.
To setup a meeting go to https://vineyardfinancial.com/schedule-a-meeting/ or if you would like to get a copy of Brad Fords book go to https://vineyardfinancial.com/books-and-guides/
Advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities. Our firm is not permitted to offer tax or legal advice. Consult your tax or legal advisor regarding your situation.29 min
About Refining Retirement
From the publisher's feed
Brad has a long history of helping clients in or nearing retirement create plans designed to accumulate, protect and preserve their wealth.
As the leader of his firm, Brad leverages his knowledge…
As the leader of his firm, Brad leverages his knowledge…
and experience to create personalized financial strategies that address the unique needs and challenges that could arise in retirement.
For more information go to vineyardfinancial.com
Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
Radio Disclosures: “Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Vineyard Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Vineyard Financial. This Radio Show is a paid placement.”
For more information go to vineyardfinancial.com
Securities and advisory services offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/SIPC and a registered investment advisor. Vineyard Financial and MAS are not affiliated entities.
Radio Disclosures: “Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Vineyard Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the US Government or any governmental agency. The information and opinions contained herein provided by the third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Vineyard Financial. This Radio Show is a paid placement.”