Regarding Retirement

What happens to your retirement plan when “we” suddenly becomes “me”? In this episode of Regarding Retirement, Neil Henry explores the growing reality of solo aging and why planning for it is no longer optional. He discusses how losing a spouse can impact income streams, Social Security, pensions, and daily decision-making—and why proactive planning matters long before it’s needed. The conversation also highlights overlooked details like outdated estate plans, beneficiary designations, and long-term care considerations. It’s a practical look at how to prepare for independence while protecting financial stability later in life

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Is using your retirement savings to buy a home solving today’s problem or creating tomorrow’s? In this episode, Neil Henry explores a proposal allowing penalty-free 401(k) withdrawals for home purchases and what it could mean for long-term financial security. He breaks down the trade-offs between homeownership and retirement savings, including taxes, lost compounding growth, and the risks of delaying future goals. The conversation also highlights generational challenges, rising home prices, and alternative strategies to build wealth without jeopardizing retirement. It’s a practical look at balancing short-term opportunities with long-term financial outcomes.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Should working one more year before retirement be a smart move—or a costly sacrifice of time you won’t get back?

In this episode of Regarding Retirement, financial planner Neil Henry unpacks the real‑world factors behind the “just one more year” decision. Using recent headlines and practical client examples, he explores how timing retirement impacts savings, Social Security, healthcare costs, major home expenses, and overall peace of mind. The conversation highlights when extending your working years can add flexibility—and when it may be wiser to prioritize health, family, and quality of life. It’s a thoughtful look at how math, mindset, and personal priorities intersect at retirement.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Even with solid savings, many retirees worry more about running out of money than enjoying what they’ve built.

In this episode of Regarding Retirement, financial planner Neil Henry tackles the fear that quietly follows many retirees into their next chapter. The conversation explores why anxiety persists regardless of net worth, how establishing clear income “knowns” can ease uncertainty, and the role Social Security timing, taxes, inflation, and long‑term care planning play in shaping confidence. Neil also explains why retirement isn’t a one‑time decision, but an ongoing process that benefits from flexibility, adjustments, and thoughtful planning over time.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

A new government‑backed savings program for kids is generating buzz—and plenty of questions from parents and grandparents. In this episode, host Neil Henry, financial planner and founder of Henry and Associates, breaks down what we currently know about the new “Trump Accounts for Kids.” He discusses who qualifies, how the accounts may be funded, how they compare to 529 plans, and the potential guardrails around how and when the money can be used. Neil also shares important considerations families should keep in mind as details continue to unfold, including parental involvement, investment options, and long‑term planning implications.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

What if a few overlooked tax details could quietly impact your retirement income this year? In this episode, host Neil Henry, financial planner and founder of Henry and Associates in Charleston, South Carolina, breaks down a practical tax‑season checklist for retirees and pre‑retirees. He discusses recent tax law changes affecting Social Security, higher standard deductions for retirees, and why tax planning looks very different from tax filing. Neil also highlights common items people forget to bring to their CPA, plus considerations around Roth conversions in today’s tax environment. A timely conversation designed to help listeners head into tax season better prepared and informed

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Annuities are widely used — yet often misunderstood. In this episode of Regarding Retirement, financial planner Neil Henry breaks down why annuities generate so much confusion and how different types serve very different purposes. The conversation explores fixed, indexed, and variable annuities, common misconceptions fueled by media coverage, and why liquidity, fees, and income structure matter. Neil also discusses how annuities may be positioned within a broader retirement income plan, especially when balancing market risk, interest rates, and long‑term income needs. This episode focuses on understanding the tool itself — without lumping every annuity into the same category.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Your retirement fears may have less to do with markets — and more to do with your past. In this episode, financial advisor Neil Henry explores how emotional “money baggage” shapes retirement decisions, from childhood beliefs to lived experiences like market downturns and income loss. The conversation looks at how fear, control, and uncertainty often surface as people transition from saving to living on their money. Neil also discusses how understanding spending habits, budgeting, income sources, and long‑term planning can bring clarity during volatile times. This episode highlights the emotional side of retirement and why addressing mindset is just as important as addressing the numbers

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Preparing for major health and long‑term care costs becomes unavoidable as retirement approaches, and this episode digs into what those realities truly look like. Neil Henry explores the rising expenses tied to Medicare, supplements, prescriptions, and the long‑term care needs many retirees eventually encounter. He shares real‑life examples, breaks down average cost expectations, and discusses why early planning helps retirees face unpredictable medical expenses with greater clarity. From understanding healthcare budgets to navigating long‑term care risks, this conversation offers insight into the financial pressures that shape retirement and the factors every retiree should consider while mapping out future needs.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.

Big tax shifts are landing in 2026, and they could reshape how retirees manage income, investments, and long‑term planning. In this episode, financial advisor Neil Henry breaks down the new standard deduction amounts, updated tax brackets, and what seniors should understand about RMDs as withdrawal percentages rise with age. He also sheds light on capital gains thresholds and why today’s lower tax environment may offer strategic opportunities. This conversation lays out what’s changing and how retirees can stay prepared as the rules evolve.

Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net

See omnystudio.com/listener for privacy information.