You spent decades saving for retirement, but what if the biggest risk is not how much you saved, but how you use it?

In this episode, Ryan Thacker and Tyson Thacker break down what they see most people get wrong about retirement planning, especially in the critical years right before and after retirement. They explain why saving money and planning for retirement are two very different things, and how small, uncoordinated decisions around taxes, Social Security, investments, and healthcare can quietly erode your wealth over time.

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One of the biggest retirement mistakes has nothing to do with how much you saved, it’s about where your income comes from once you stop working. The order you withdraw your money can quietly trigger higher taxes, bigger Medicare premiums, and unnecessary stress later in life.

In this episode, Ryan Thacker and Tyson Thacker break down why withdrawal strategy is one of the most overlooked yet impactful decisions in retirement planning, and how a single misstep can set off a chain reaction that affects your taxes, Social Security, and long-term income.

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Most people watch their account balances closely, but very few know the number that matters most in retirement: how much they will actually owe in taxes. That number can change everything about what you can spend, how long your money lasts, and the choices you get to make in the years ahead.

In this episode, Ryan Thacker and Tyson Thacker walk through the real tax challenges facing retirees and why so many families are caught off guard. They explain why taxes often rise in retirement, how different income streams are taxed, and why understanding your tax buckets can help you avoid unnecessary surprises.

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As the year ends, many retirees review their financial decisions in light of changing tax rules, market movement, and ongoing cost pressures.

In this episode, Ryan Thacker and Tyson Thacker outline five Smart Money Moves that can help retirees prepare for 2026. Their discussion focuses on practical steps that influence taxes, income, Social Security, investment allocation, and healthcare planning.

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Most retirees focus on how much they have saved, but the biggest threat to their future is often the cost they never planned for. Taxes, inflation, healthcare, and longevity can quietly increase year after year until they place real pressure on your retirement income.

In this episode, Ryan Thacker and Tyson Thacker explain how hidden retirement expenses can erode even the strongest nest eggs and what you can do right now to protect yourself.

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Most people focus on investment returns, but the real threat to a comfortable retirement often hides in plain sight. Taxes can quietly drain away more of your savings than you ever expected, and the window to take control may be smaller than you think.

In this episode, Ryan Thacker and Tyson Thacker break down how today’s historically low tax rates can create a rare opportunity for pre-retirees and retirees. They explain why strategic Roth conversions may help you keep more of your money, how required minimum distributions can trigger bigger tax bills later in life, and why waiting could mean giving up one of the most valuable planning windows available.

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Most retirees unknowingly leave thousands of dollars on the table just by filing for Social Security the wrong way.

In this episode, Ryan and Tyson Thacker reveal how the right claiming strategy can mean hundreds of thousands more in retirement income. They break down the key mistakes people make, how taxes and Medicare tie into your benefits, and how a simple plan can help you keep more of what’s yours.

They also uncover real examples showing how timing, coordination, and smart planning can turn your Social Security into a powerful foundation for your retirement income.

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We Want to Hear From You!

What’s your biggest retirement concern? Email us or leave a voicemail, and we might feature your question in an upcoming episode of Retirement Solutions The Podcast!

What if the biggest opportunity to grow your retirement savings has nothing to do with chasing the next big investment and everything to do with taxes?

In this episode, Ryan Thacker and Tyson Thacker break down why taxes may be the single biggest expense you will face in retirement and how strategic tax planning could make your money go significantly further.

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What if downsizing your home could actually upgrade your lifestyle in retirement?

In this episode, Tyson Thacker sits down with real estate professionals Jodi Rosko and Heather Fisher, co-hosts of The Downsizing Roadmap Podcast, to unpack how your home fits into your B.O.S.S. Retirement Blueprint. Together, they explore what it means to “dream first” when planning your next chapter; so your home aligns with your goals, your health, and your legacy.

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About Jodi Rosko & Heather Fisher:

Jodi Rosko and Heather Fisher are real estate professionals and co-founders of The Downsizing Roadmap, a specialized program and podcast that helps retirees and families navigate the emotional and practical steps of downsizing with clarity and confidence. Through workshops, resources, and personalized guidance, they empower clients to plan early, declutter with purpose, and design a home that fits their next stage of life.

Rising interest rates feel like bad news, but what if rising interest rates could actually work in your favor during retirement?

In this episode, Ryan Thacker and Tyson Thacker sit down with long-time advisor and friend, Dave Whitworth, to unpack strategies for thriving in today’s high-interest-rate environment. From increasing guaranteed income to leveraging overlooked financial tools, they reveal how to create confidence and stability in your retirement plan.

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About Dave Whitworth:

Dave Whitworth is an Investment Advisor Representative with B.O.S.S. Retirement Solutions and Advisors, where he forms relationships with clients as he helps identify areas where his services may be able to enhance retirement income planning. He enjoys the relationships that are created as trust is built, and he strives to provide exceptional customer service and ensure every financial goal is considered.

Dave has degrees in business management and zoology from Brigham Young University. He is an Investment Advisor Representative and a licensed insurance agent.

Dave is an outdoor and recreation enthusiast, originally from Wisconsin. He enjoys playing basketball, golf, volleyball, and cycling. With his wife, he stays busy supporting the activities and needs of their five children, and he enjoys attending their sporting and dance events.