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Refining Retirement
By Chaesare GrayBusiness
Refining Retirement episodes
- Cracking the Code: Retirement Risks & Rewards"Are you ready to face the hidden challenges of retirement?" Discover why women often need a different game plan—and how gaps in employment, longevity, and unexpected medical events can change the stakes. Brad Ford shares candid stories and expert insights, tackles overlooked financial vulnerabilities, and explores strategies to help safeguard your future. Journey beyond simple investment advice into a world where planning means peace of mind, but not every answer is what you expect.
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 Planning for Every Personality"Is your fiscal house built on a strong foundation—or just eyeballed and hammered together?" In this episode, Brad Ford tackles the biggest retirement questions, revealing why planning can look different for every couple and personality. From simplifying investment decisions to uncovering tax-saving strategies, the conversation exposes the unseen cracks in retirement plans and explores how longevity, business transitions, and family dynamics shape your financial future. Discover the moments where clarity conquers confusion—without spoiling the full blueprint.
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 - Cracks in Your Fiscal House“Did you know over half of Americans have no legacy plan—and may not even realize it?”
Join Brad Ford as he uncovers the most overlooked gaps in retirement and legacy planning. From harrowing real-life stories to crucial steps many overlook, this episode explores what happens when important financial details fall through the cracks. Discover why protecting your fiscal house is about more than just money—and what could be at stake if you don’t.
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 - The Missing Piece of Your Retirement Plan“Did you know over half of Americans have no legacy plan at all?” In this heartfelt episode, Brad Ford uncovers the often-overlooked side of retirement: ensuring your hard-earned assets truly benefit those you love. Through candid stories—both humorous and sobering—Brad shares why legacy planning isn’t about loss, but about control and clarity for your family’s future. Tune in as he reveals the pitfalls, tough conversations, and emotional realities many put off until it’s too late, and discover which crucial details can make or break your retirement dreams.
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 - Reality of Retirement Spending"Could one click wipe out a lifetime of savings?" In a world where scams grow more sophisticated by the day, retirees face invisible threats that can devastate finances in an instant. This episode exposes the latest fraud tactics—from AI-assisted phishing to lookalike charity schemes—and explores the surprising reasons why retirement spending patterns defy old assumptions. Tune in for hard-earned lessons, critical prevention tips, and the strategies you may need to keep your future—and your fortune—secure.
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 - July 11-19 HeadlinesIs chasing a “magic number” really the answer to a comfortable retirement, or is there something deeper at play? This episode of Refining Retirement uncovers the overlooked risks, hidden cracks, and pivotal decisions—from boats to Social Security—that shape your financial future. With real stories, candid advice, and insights into today’s shifting retirement landscape, Brad Ford helps listeners see why true confidence comes from more than just hitting a savings goal. What might you be missing in your own plan?
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 38"Why do family squabbles erupt over seemingly worthless heirlooms, and how can you keep peace when it comes to your legacy?"
This episode dives into the emotional and financial complexities of estate planning—from the first talk about inheritance to the hidden perils of outdated paperwork and probate pitfalls. Join Brad Ford and Jacob Hall as they unravel real-life tales of vacation home renovations, tax headaches, and unimaginable surprises that can surface when families don’t have a plan. Find out how the right conversations now might save your loved ones from chaos later—but what’s the biggest estate planning mistake even savvy retirees make? The answers may surprise you.
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 - Financial Independence 2026Is financial independence just a patriotic buzzword—or the key to unlocking a worry-free retirement? Dana Wright and Jakub Hall dive deep into the realities of retiring in today’s uncertain landscape: market swings, rising inflation, and the unpredictable cost of healthcare threaten to unravel even the best-laid plans. Discover why having a hefty nest egg isn’t enough, and how a written income strategy—paired with flexible “fiscal house” planning—can give you control over your financial future. From outdated spending rules to the hidden risks of relying on insurance, Jakub shares actionable ways to safeguard your wealth and navigate the complications of downsizing, longevity, and long-term care. Will your retirement be a celebration of freedom, or a scramble for stability? Tune in and learn why clarity, adaptability, and a solid backup plan are more critical than ever.
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 - The Reality of Retirement SpendingIs your “nest egg” safe from rising prices and hidden expenses? As inflation surges and tax brackets loom, today’s retirees face a tangled set of financial challenges few see coming. Join Jacob Hall and the Refining Retirement team for an eye-opening look into how inflation, tax exposure, Social Security, and even boredom can quietly erode your golden years—unless you know how to plan for what you can't predict. The conversation explores the myths around retirement spending, the realities of long-term care costs, and why “just surviving” isn’t enough when it comes to your financial future. The triple threat to your retirement may not be what you expect…
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 Risks Hiding in Plain Sight“What happens if your retirement income suddenly shrinks?” Brad and Dana unpack a startling new projection showing how potential Social Security cuts could impact retirees across the country—and why the numbers are closer to home than many realize. From claiming strategies and pension decisions to long-term care planning and family financial blind spots, this conversation explores the retirement risks that often go unnoticed until it’s too late. The discussion raises important questions and reveals opportunities that many people may be overlooking.
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.”