Larry and Kyle break down smart strategies for building and maintaining a retirement portfolio during inflationary times. From setting the right risk profile to keeping healthy cash reserves and rebalancing with purpose, they share how to stay disciplined, confident, and prepared no matter what the market brings.

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Larry, Kim, and Kyle dive into how inflation impacts retirees and what you can do to stay ahead. From portfolio construction and Social Security adjustments to interest rates and tariffs, they break down how to protect your purchasing power in a changing economy.

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Larry and Kyle break down how inflation impacts Social Security benefits, Medicare costs, and overall retirement planning. From COLA increases to healthcare expenses and tax coordination, they share strategies to stay prepared and make smarter financial decisions in retirement.

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Larry and Kim dive into what to consider before selling your home in retirement — from financial planning and timing to taxes, decluttering, and simplifying life. Plus, a look at how proper planning can help make these big transitions smoother.

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Larry and Kim unpack why taxes in retirement can be higher than expected—and how smart planning can make a big difference. From RMDs to Social Security, annuities, and moving to tax-friendly states, they cover key ways to keep more of what you’ve earned.

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Larry and Kim break down how coordinated planning—covering income, insurance, taxes, and estate planning—can build a solid foundation for your family’s financial future. It’s about setting clear goals, reviewing regularly, and making sure everything works together under one roof.

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In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and Kim explore why open communication about money is one of the most important — and often overlooked — parts of retirement planning. From budgeting and joint accounts to aligning goals and preparing for “what if” scenarios, they offer practical strategies couples can use to build financial confidence together. They also discuss Social Security timing, emergency funds, and the value of having a trusted financial partner. If you’re planning for retirement with your spouse or family, this episode is packed with actionable insights to help you stay prepared.

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Many retirees assume they’ll pay less in taxes once they stop working—but that’s not always the case. In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and CPA Lance Larson break down smart tax strategies designed to help you keep more of your retirement income.

They discuss pensions, IRA withdrawals, Roth conversions, and charitable giving strategies like Qualified Charitable Distributions (QCDs). Plus, they cover how tax brackets, Medicare surcharges (IRMAA), and state tax differences can all impact your bottom line.

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Thinking about downsizing or selling your home in retirement? Before you do, make sure you understand the tax implications. In this episode of the Safe Haven Solutions Podcast, Larry Kulvig, founder and CEO of Haven Financial Group, is joined by CPA Lance Larson and co-host Kim to break down how home sales are taxed — and how to avoid unnecessary surprises.

They explain how the primary residence exclusion works, what counts as capital gains, and how improvements and selling costs can reduce your tax bill. You’ll also learn about rental property sales, 1031 exchanges, and the right steps to take if you’re planning a move or a downsize.

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Your retirement accounts are more than just savings — they’re a key piece of your tax strategy. In this episode of the Safe Haven Solutions Podcast, Larry Kulvig, founder and CEO of Haven Financial Group, sits down with CPA Lance Larson and co-host Kim to explain how 401(k)s, IRAs, and Roth accounts are taxed, and why timing matters when taking withdrawals.

They also dive into required minimum distributions (RMDs), rollover opportunities, and how to avoid costly mistakes and penalties. Plus, Larry shares how proactive planning can help you transition from saving to spending efficiently — keeping more of your hard-earned money in your pocket.

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