In this episode of the Safe Haven Solutions Podcast, Larry and Kim are joined once again by CPA Lance Larson to tackle one of the biggest retirement moves: selling the family home. Whether you are looking to downsize in Minnesota or head south for warmer weather, the tax ramifications of a home sale can be significant if you aren't prepared.

Lance explains the critical differences between primary residence exclusions—where married couples can often exclude up to $500,000 in gains—and the more complex tax treatment of rental properties. They dive into how "basis" (your original purchase price plus improvements like that kitchen remodel) can lower your tax bill, and how real estate investors can use a 1031 exchange to defer taxes indefinitely. Beyond the numbers, the team discusses the "life costs" of moving—from the expense of pods and storage to the emotional challenge of valuing a home that holds decades of memories. Learn why having your tax, investment, and estate planning "puzzle pieces" under one roof is the key to a smooth transition into your golden years.

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In this special tax-season episode of the Safe Haven Solutions Podcast, Larry and Kim pull Lance Larson, CPA, away from his desk to discuss how to keep more of your hard-earned money out of Uncle Sam’s pockets. Lance breaks down the concept of "forced income"—like pensions and Social Security—and explains the "perfect tax scenario" where you can collect Social Security and pull from Roth accounts without giving a single cent to the government.

The team also tackles the age-old question: Is moving to a state like Florida or Arizona actually a winning tax strategy, or do tolls and hidden fees level the playing field? From filling up the 12% tax bracket to hitting the "IRMAA cliff" without falling over, this episode proves that while tax preparation is a seasonal event, tax planning is a year-round necessity that ensures you walk out of your next appointment with a smile on your face.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig explains why your own financial security is the ultimate gift to your family. Drawing from a sobering recent client story about the sudden, high costs of long-term care, Larry discusses the two-fold benefit of stability: ensuring you aren't a burden to your children and making sure your hard-earned legacy doesn't end up in the hands of attorneys or Uncle Sam.

From the "100% mortality rate" reality check to the joy of tax prep meetings where the plan actually works, this episode is a guide to being proactive. Larry and Kim discuss the necessity of updated estate plans, the new and more viable options for long-term care, and why a plan created ten years ago might be as risky as having no plan at all. Learn how to build a solid foundation today so you can thrive through your golden years rather than just surviving them.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim dive into why retirement isn’t just an individual milestone—it’s a family team sport. Larry shares personal insights into educating the next generation of his own family and discusses the common (and sometimes stressful) reality of couples who aren't on the same page financially.

The conversation covers the critical importance of open communication, the "nuisances" of spousal IRAs, and why every couple needs a "stress-tested" plan that accounts for unexpected life changes like health issues or job acquisitions. Whether you are decades away from retirement or currently "holding the cards," this episode emphasizes that being in the know is the best way to ensure your financial future doesn't become a source of family friction.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss common vulnerabilities that can derail retirement, including running out of money, taking on too much market risk, overpaying in fees and neglecting estate planning. Larry shares real client examples that highlight the importance of understanding what you own, what you are paying and whether your strategy truly fits your stage of life. The conversation emphasizes proactive planning, updated beneficiary designations and coordinated guidance to help ensure your retirement years are secure, organized and truly comfortable.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how unexpected expenses can disrupt even the best retirement plans and what to do when you need to rebuild your emergency savings. Larry shares real client examples and practical strategies such as tax efficient withdrawals, smart reallocation, budgeting, negotiating expenses and even part time work to restore liquidity and peace of mind. The conversation reinforces the importance of ongoing guidance, flexibility and having a trusted partner to help you adjust your plan as life happens.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to build reliable income in retirement by coordinating Social Security, pensions and tax efficient portfolio withdrawals. They also cover the impact of inflation, rising healthcare costs, emergency savings and long term care planning, emphasizing why proactive and comprehensive planning is essential to protect your lifestyle, your assets and your peace of mind.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss what it really means to feel financially comfortable in retirement. Larry shares highlights from a recent client event featuring Dr. Mark Milstein and emphasizes the connection between health and wealth.

They also break down the key pillars of retirement comfort—consistent income, risk planning, tax strategy, and having all aspects of your financial life coordinated under one roof to create clarity and confidence in your golden years.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss common tax mistakes retirees make and the strategies that can help keep more money in their pockets. From withdrawing too much—or too little—from retirement accounts to missing opportunities within lower tax brackets, the team shares real-life examples of proactive planning done right. They also explore the broader impact of investment placement, charitable strategies, state tax considerations, and risk management, emphasizing that successful retirement planning goes far beyond tax preparation. With so many moving pieces—from Social Security and Medicare to estate and legacy planning—the conversation reinforces the value of having a coordinated team to guide every step of the journey.

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In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss newly introduced child investment accounts designed to help families build long-term wealth for the next generation. Established under recent legislation, these accounts allow contributions for children regardless of earned income and even include government seed funding for those born within a specific window. The team explains how the accounts are funded, their tax treatment, contribution limits, and how they convert to traditional IRAs at age 18. They also explore how parents and grandparents can use these tools to take advantage of long-term compounding while ensuring the strategy aligns with their overall financial and legacy plan.

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