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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As 2025 winds down, it’s the perfect time to take a closer look at your year-end tax strategy. 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 unpack practical tax planning moves for retirees. They dive into how Social Security is taxed, what to know about 401(k)s, IRAs, and Roth conversions, and how your home sale could impact your tax bill. The team also discusses the difference between tax preparation and proactive tax planning—and why that distinction can make all the difference in retirement. Tune in to learn how smart planning now can help you minimize taxes and maximize confidence heading into the new year.

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In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and Kyle Thomas outline key investment management principles every retiree should know. From balancing growth with protection to diversification, tax-efficient withdrawals, and managing fees, they highlight the strategies that keep portfolios strong through changing markets. You’ll also hear why behavioral discipline and avoiding emotional decisions are critical for long-term success. Whether you’re approaching retirement or already there, this episode offers practical guidance to help you invest with confidence.

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Making the leap from saving your whole life to confidently spending in retirement isn’t always easy. In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and Kyle Thomas share practical steps for a smooth retirement transition—from running sustainability tests to planning Social Security, Medicare, taxes, and income strategies. They also explain why liquidity and coordinated planning are key to staying financially confident.

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In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and Kyle Thomas dive into how inflation and recent interest rate cuts directly impact retirees. From rising costs of groceries, housing, and healthcare to misconceptions about inflation and mortgage rates, they break down what you really need to know. You’ll hear strategies like Treasury Inflation-Protected Securities (TIPS), fixed index annuities, and diversification approaches to help protect your income. If you’re nearing or already in retirement, this conversation will help you understand the trade-offs and plan with confidence.

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In this episode of the Safe Haven Solutions Podcast, Larry Kulvig and Kyle Thomas break down the Federal Reserve’s recent interest rate cut and what it means for retirees. They explore how changes in rates affect bonds, CDs, and stocks — and why having a solid retirement plan matters more than ever. Whether you’re nearing retirement or already there, you’ll learn strategies to adjust your portfolio, protect income, and stay confident through market shifts.

Technology, energy, and consumer markets are showing notable changes this week. In this update, we explore what’s driving these sectors, how they tie into the broader economy, and what investors should keep in mind. So, let’s dive in!

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havenfinancialgroup.com

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instagram.com/haven_financial_group

Investor sentiment is shifting as new economic reports and data emerge. In this week’s discussion, we review what’s driving the markets, highlight key risks, and explore strategies to stay focused during volatility. So, let’s discuss!

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havenfinancialgroup.com

facebook.com/havenfinancialgroup

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

instagram.com/haven_financial_group

The financial markets continue to react to key economic data, policy decisions, and investor sentiment. This week, we discuss what these movements mean and how they may shape opportunities in the weeks ahead. So, let’s dive in!

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

Retirement isn’t just about reaching the finish line—it’s about staying retired with confidence. In this episode, we cover how to create consistent income, avoid common mistakes, plan for healthcare costs, and prepare for life’s unexpected turns.

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