Larry and Kim break down simple, practical ways to avoid surprise tax bills in retirement — from smart Roth conversions to using catch-up contributions and planning around Medicare costs. They explain why year-round tax planning matters and how coordinating all parts of your retirement under one roof can save you money and stress.

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Larry breaks down the truth about annuities—what they are, how they work, and when they do or don’t belong in a retirement plan. From income guarantees to long-term care riders and common sales pitfalls, he explains how to evaluate your options, avoid costly mistakes, and make sure any annuity you consider actually aligns with your goals.

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Larry and Kim dive into the real questions you should ask as you approach retirement — from 401(k) expectations and catch-up contributions to the role of inheritance and why estate planning isn’t just for seniors. They explain how to simplify scattered accounts, turn savings into income, and build a plan that adapts as life changes.

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Larry and Kim dig into one of the biggest questions facing retirees: should the retirement age be raised? They break down Social Security’s solvency concerns, life expectancy changes, and the political tug-of-war shaping the future of benefits. They also explain how to plan smart—whether you’re nearing 62 or still a few years out—and why getting a personalized Social Security strategy can make a major difference.

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Larry and CFP® Kyle Thomas talk through the biggest mistakes retirees make during falling interest rate cycles—from tax missteps and chasing yield to overloading on cash or a single asset class. They explain how to stay diversified, keep your money working, and use this environment as an opportunity to rebalance and strengthen your retirement plan.

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Larry, Kim, and CFP® Kyle Thomas unpack how falling interest rates affect inflation, economic growth, and long-term retirement planning. They explain how the Fed’s decisions create real-world impacts for savers, spenders, and future retirees—and why stress-testing your plan and working with the right partner can keep you on track through all the ups and downs.

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Larry, Kim, and CFP® Kyle Thomas break down what “low, lower, and lowering” interest rates really mean for retirees. They talk timelines, opportunities to lock in higher yields, and why flexibility matters as rates continue shifting. Plus, why having a trusted financial partner can make navigating these changes much easier.

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Larry, Kim, and special guest Kyle Thomas, CFP®, break down what this year’s interest rate cuts really mean for retirees. From shrinking CD yields to opportunities in bonds and small-cap stocks, they unpack how lower rates can affect your income, your risk level, and your long-term plan. Plus, why now is the time to review your portfolio, rebalance, and make sure your strategy still matches your goals.

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Larry and Kim discuss what it really means to thrive in retirement — not just get by. From building a stable income plan and smart tax strategy to creating a bucket list that fits your budget, they share how to simplify the process, avoid missed opportunities, and enjoy the freedom you’ve worked for.

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Larry and Kim sit down with Social Security specialist Mitch Moss to clear up the biggest misconceptions about claiming your benefits. From timing your payments to tax surprises and spousal strategies, they share how smart planning can help you get the most out of your Social Security and avoid leaving money on the table.

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