In this episode of the Safe Haven Solutions Podcast, Larry and Kim discuss some of the most common—and costly—retirement pitfalls and how to avoid them. From planning too long to work and misunderstanding market risk to overlooking long-term care and income needs, they explain why awareness and preparation are critical. As the new year begins, this episode encourages listeners to take a proactive approach to retirement planning and start 2026 with clarity and confidence.

Connect with Haven Financial Group on all platforms!

In this episode of the Safe Haven Solutions Podcast, Larry and Kim break down the role Social Security plays in retirement and why claiming decisions matter more than many realize. They discuss common misconceptions, taxation, income limits, and the risks of claiming too early. With many Americans leaving money on the table, this conversation highlights the importance of education, strategy, and making Social Security a thoughtful part of a broader retirement plan.

Connect with Haven Financial Group on all platforms!

In this episode of the Safe Haven Solutions Podcast, Larry, Kim, and Kyle discuss why consistency—not market predictability—is key to successful retirement planning. They explore how retirees can manage risk during market volatility, stay disciplined with their strategy, and understand when tools like annuities may or may not make sense. The conversation emphasizes education, proper risk alignment, and having a clear plan as you move from accumulation into retirement.

Connect with Haven Financial Group on all platforms!

In this episode of the Safe Haven Solutions Podcast, Larry is joined by Kim Carrigan for an end-of-year financial refresher focused on retirees and those approaching retirement. They break down what the latest Bureau of Labor Statistics jobs report tells us about the economy, interest rates, and market expectations heading into 2026. The conversation also highlights the importance of consistency in retirement planning, understanding Social Security’s role, and avoiding common pitfalls during the transition from accumulation to distribution.

Connect with Haven Financial Group on all platforms!

In this episode of the Safe Haven Solutions Podcast, Larry and the team discuss the importance of family financial planning and how clear goals, open communication, and proactive planning can help protect generational wealth. From retirement and taxes to estate planning and peace of mind, they explain why having a coordinated plan benefits families of all sizes—not just the ultra-wealthy.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry and CFP® Thomas explore how universal and indexed universal life insurance can be used as an alternative strategy for college savings. They discuss flexibility, tax advantages, FAFSA considerations, and how these policies can serve multiple purposes beyond education. This conversation highlights why life insurance—when structured properly—can be a powerful and often overlooked planning tool for families and grandparents alike.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry is joined by Kyle Thomas, CFP®, to break down how 529 plans work and why they remain a popular tool for college savings. They discuss tax benefits, contribution strategies, FAFSA considerations, and what options families have if education plans change. Whether you’re saving for children, grandchildren, or future education goals, this conversation highlights how proper planning can add flexibility and peace of mind.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry is joined by Kyle Thomas, CFP®, to discuss the rising cost of college and how families can plan without sacrificing their own retirement. From 529 plans and early savings strategies to the importance of “skin in the game,” they explore practical ways to prepare for education expenses at every stage of life. With college costs continuing to climb, this conversation highlights why planning early—and planning smart—can make all the difference.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry and Kyle unpack the coming Great Wealth Transfer and what today’s retirees need to know about passing assets — including the family home — to the next generation. They cover the importance of proper estate planning, avoiding probate, smart ways to gift assets while living, and how taxes, long-term care, and beneficiary mistakes can derail your legacy.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry and Kyle break down what retirees need to know before selling their home — from understanding true market value to navigating capital gains taxes, double closing costs, and the hidden expenses of relocating. They also discuss how your home fits into a bigger retirement strategy and why proper planning is essential before making a move.

Connect with Haven Financial Group on all platforms! 

havenfinancialgroup.com

facebook.com/havenfinancialgroup

linkedin.com/company/haven-financial-group-mn

instagram.com/haven_financial_group