Secure Your Retirement

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the often-confusing world of taxes on sale of home and how different tax rules apply when selling your home versus selling rental property investments. Joined by Director of Financial Planning and Tax Strategist Taylor Wolverton, the conversation breaks down capital gains tax explained in a simple and practical way so retirees and pre-retirees can better understand how home sale taxes may impact their financial future. Whether you are downsizing, relocating, or considering selling rental property as part of your retirement planning strategy, this episode highlights the importance of understanding real estate taxes before making a major financial move.

Listen in to learn about home sale exclusion rules, depreciation recapture, capital improvements, and how Tax on home sale calculations can dramatically affect your retirement income and long-term financial security. Taylor explains how proper tax planning retirement strategies can help reduce unnecessary taxes and support your goals for retiring comfortably and helping to secure your retirement. If you are focused on financial planning for retirement, creating a retirement checklist, or trying to plan for retirement with confidence, this episode offers valuable insights into Retirement Planning and planning retirement around real estate decisions.

In this episode, find out:

• How the IRS determines whether a property qualifies for the home sale exclusion
• The difference between home sale taxes for a primary residence versus Rental property taxes
• Why Capital improvements can help reduce your Capital gains tax when selling your home
• How Depreciation recapture works when selling rental property
• Important Retirement tax planning strategies to consider before selling real estate in Retirement

Tweetable Quotes:

“The IRS allows married couples filing jointly to exclude up to $500,000 of gain when selling a primary home if they meet the ownership and use tests.” — Radon Stancil

“Depreciation on rental property is a tremendous tax benefit while you own the property, but many people forget about depreciation recapture when they sell.” — Taylor Wolverton

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the importance of choosing the right Self-Employed Retirement Accounts after transitioning from W-2 employment into the world of consulting, freelancing, or independent contracting. If you are earning 1099 income and wondering how to handle tax planning, build long-term wealth, and create a strategy for retiring comfortably, this episode breaks down the most effective small business retirement plans available today. From understanding tax deductible retirement contributions to comparing a Solo 401k, SEP IRA, Simple IRA, and even a Defined Benefit Plan, this episode helps self-employed professionals take control of their financial future and secure your retirement.

Listen in to learn about the different retirement savings options available for entrepreneurs, consultants, and independent contractors who want to maximize savings while reducing taxes. Radon and Murs explain how proper tax strategies for self employed individuals can dramatically impact long-term wealth accumulation and why creating a solid Retirement Planning strategy is essential when managing 1099 retirement income. Whether you are new to self-employment or already generating significant income, this conversation provides practical insights into Financial planning for retirement, minimizing taxes through the self employment tax deduction, and creating a smart path to planning retirement successfully.

In this episode, find out:

• How a Solo 401k, SEP IRA, and Simple IRA compare for self-employed professionals
• Why tax planning is critical when transitioning from W-2 income to 1099 consulting income
• The benefits of Tax deductible retirement contributions and reducing taxable income
• When a Defined Benefit Plan may make sense for high-income business owners
• Key strategies to help you plan for retirement and build long-term financial independence

Tweetable Quotes:

“When you flip over into the 1099 world, while you are receiving income from someone else, you’re also your own employer.” – Radon Stancil

“The benefit of retirement contributions for self-employed individuals is that you’re not paying tax on those dollars today while building wealth for the future.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important transition from W-2 to 1099 income and what it really means to become a 1099 contractor. Whether you're considering Consulting income as part of a career shift, semi-retirement, or exploring Consulting after retirement, understanding the differences between W-2 vs 1099 is critical. This shift impacts everything from how you receive income to how you handle Estimated taxes, Tax deductions, and overall Tax strategy—all essential components of effective Retirement Planning and Financial planning for retirement.

Listen in to learn about the key financial and tax implications of earning Consulting income, including Quarterly tax payments, Estimated taxes, and the realities of managing your own income stream. If you’re planning retirement or building a retirement checklist that includes self-employment, this episode will help you better plan for retirement, avoid costly mistakes, and create a path toward retiring comfortably and secure your retirement.

In this episode, find out:

• The key differences between W-2 vs 1099 and what it means to become a 1099 contractor
• How Consulting income impacts Estimated taxes, Quarterly tax payments, and overall Tax strategy
• Common misconceptions about LLCs and why they don’t automatically reduce taxes
• Important Tax deductions available to self-employed individuals, including the home office deduction
• How Consulting after retirement fits into broader Retirement strategies and Self-employed retirement planning

Tweetable Quotes:

"An LLC is a legal structure for protection—not a tax strategy that changes how your Consulting income is taxed." – Radon Stancil

"When you move from W-2 to 1099, you’re not just earning income—you’re responsible for managing your entire tax strategy and financial future." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why risk management in retirement planning goes far beyond just investment risk. While markets and portfolios often dominate the conversation, there are multiple retirement planning risks that can derail even the most well-thought-out plan. From income risk and tax planning risk to estate planning risk, liability risk, and the challenges of long-term care planning, this episode expands your perspective on what it truly takes to secure your retirement.

Listen in to learn about how overlooking risks like longevity risk, inflation risk, and sequence of returns risk can impact your ability to retire comfortably. Radon and Murs break down practical retirement strategies, including the three-bucket strategy, to help you build a comprehensive approach to retirement income planning and financial planning for retirement. If you're serious about creating a solid retirement checklist and want to confidently plan for retirement, this episode is a must-listen.

In this episode, find out:

• Why risk management includes more than just investment risk in retirement planning
• How sequence of returns risk and income risk can impact your retirement income planning
• The importance of addressing tax planning risk and coordinating withdrawals strategically
• How estate planning risk and liability risk can affect your legacy and asset protection
• Why longevity risk, inflation risk, and long-term care planning are critical to planning retirement successfully

Tweetable Quotes:

• “When it comes to retirement, focusing only on investment risk can leave you exposed to the risks that matter most.” – Radon Stancil
• “A successful retirement plan isn’t just about growing your money—it’s about protecting it from income, tax, and longevity risks.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss one of the most important decisions in retirement planning—when to take Social Security. Should you take Social Security early at 62, or should you consider delaying Social Security until age 70 to maximize your Social Security benefits? They break down the myths, the math, and the real-life scenarios that go into making the right Social Security decision as part of a well-rounded retirement financial plan.

Listen in to learn about how Social Security planning fits into your overall financial planning for retirement, and why there is no one-size-fits-all answer. Radon and Murs explain how factors like longevity, income needs, spousal Social Security benefits explained, and your overall retirement checklist all play a role in deciding whether to take Social Security early or wait. If you want to plan for retirement, understand your options, and retire comfortably, this episode will help you move closer to confidently securing your future.

In this episode, find out:

• The pros and cons of taking Social Security early at 62 versus delaying Social Security to age 70
• How to evaluate the Social Security decision based on your personal retirement planning strategies
• Why maximizing benefits isn’t always the best answer for your retirement financial plan
• Key scenarios where delaying Social Security may make sense, including longevity and income planning
• How spousal Social Security benefits and legacy goals impact your decision

Tweetable Quotes:

“The real question isn’t how do I maximize Social Security—it’s how does Social Security best complement my overall retirement plan.” – Murs Tariq

“If the math shows you can have the same or more money by taking Social Security early, many people choose flexibility and peace of mind over waiting.” – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss emerging Medicare policy changes with Medicare specialist Shawn Southard, focusing on a new Medicare pilot program introducing prior authorization into Original Medicare. This important conversation highlights how Medicare prior authorization could reshape retiree healthcare, especially for those relying on Medicare and Medigap plans for flexibility and simplicity in their retirement financial plan.

Listen in to learn about how Medicare changes in 2026 may impact Healthcare in retirement, including new Medicare coverage rules and the evolving Medicare approval process. The discussion explains prior authorization explained in simple terms and explores how these changes may affect Medicare costs, access to care, and long-term retirement planning strategies for those looking to retire comfortably and secure your retirement.

In this episode, find out:

• What Medicare prior authorization is and how it changes the current structure of Original Medicare
• Details of the Medicare pilot program launching in select states and what it could mean nationwide
• How Medicare and Medigap plans may be impacted by new Medicare policy changes
• Which procedures may require approval under new Medicare coverage rules
• How these changes could affect your retirement checklist and overall plan for retirement

Tweetable Quotes:

“Prior authorization is about checking before a procedure happens instead of paying first and reviewing later—and that’s a big shift for Original Medicare.” – Murs Tariq

“Even if this starts as a small pilot program, the writing on the wall suggests it could expand and impact how retirees experience Medicare nationwide.” – Radon Stancil

As Medicare for retirees continues to evolve, understanding changes like prior authorization is essential for building a strong retirement financial plan. While the goal of these Medicare policy changes is to reduce fraud, waste, and rising Medicare costs, they may also introduce new administrative steps, potential delays, and added complexity in accessing care.

For those focused on planning retirement, staying informed about healthcare in retirement is just as important as managing investments. Whether you rely on Original Medicare, supplement with Medigap plans, or are evaluating options, being proactive about these changes can help you better plan for retirement, update your retirement checklist, and continue retiring comfortably with confidence.

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the latest economic update with returning guest Tom Siomades, taking a closer look at retirement and the economy during a season filled with uncertainty. From war and government shutdown concerns to inflation, interest rates, and market volatility, this conversation highlights how today’s headlines can influence a thoughtful retirement investment strategy. For anyone focused on financial planning for retirement, this episode offers perspective on balancing retirement risks with long-term confidence.

Listen in to learn about how the current market update and broader economic outlook may affect your retirement planning, your portfolio, and your peace of mind. Radon, Murs, and Tom explore the importance of retirement diversification, staying disciplined during uncertainty, and evaluating both retirement opportunities and near-term challenges. Whether you are building a retirement financial plan, reviewing your retirement checklist, or trying to plan for retirement in a changing world, this quarterly market update offers practical retirement tips to help you stay focused on what matters most and continue planning retirement with clarity.

In this episode, find out:

• Why current events are shaping the conversation around retirement and the economy, including war, inflation, and government uncertainty
• How interest rates, oil prices, and tariffs may impact the latest market update and overall economic outlook
• Why retirement diversification remains essential when navigating market volatility and long-term retirement risks
• What positive signs still exist in the economy and where potential retirement opportunities may be emerging
• How a disciplined retirement investment strategy can support retirement income, help you retire comfortably, and ultimately secure your retirement

Tweetable Quotes:

“The simple question during times like this is: am I still on track? That’s what a strong retirement financial plan is designed to answer.” — Radon Stancil

“When markets feel uncertain, it’s not the time to make emotional decisions. It’s the time to lean on your plan, your diversification, and your long-term strategy.” — Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how retirement planning must evolve once you transition from working to living off your savings. They explore why retirement is not a “set it and forget it” phase, but rather a critical shift from accumulation to distribution—where retirement income planning, retirement cash flow, and tax strategies for retirement become the primary focus. This conversation highlights how thoughtful financial planning for retirement can help reduce stress and give you confidence as you plan for retirement.

Listen in to learn about how to build a flexible and sustainable retirement distribution strategy, avoid costly mistakes like sequence of returns risk, and implement proven retirement planning tips such as the retirement bucket strategy. Radon and Murs also discuss how ongoing adjustments in your retirement financial plan, including retirement tax planning, retirement healthcare planning, and estate planning in retirement, can help you retire comfortably and truly secure your retirement.

In this episode, find out:

• How to transition from saving to spending with a clear retirement income planning approach
• Why a well-structured retirement distribution strategy is key to managing taxes and longevity
• How the retirement bucket strategy helps protect against sequence of returns risk
• The importance of creating a sustainable retirement cash flow and revisiting it annually
• How retirement tax planning, retirement healthcare planning, and estate planning in retirement all work together in a complete plan

Tweetable Quotes:

“Retirement planning doesn’t stop when you retire—it evolves into a strategy focused on turning your savings into reliable income for life.” – Radon Stancil

“The biggest challenge in retirement isn’t building wealth—it’s creating a sustainable income plan that reduces stress and adapts as life changes.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how ongoing Geopolitical Risk and global uncertainty are impacting today’s markets and what that means for your retirement financial plan. With rising tensions, inflation concerns, and unpredictable global events driving market volatility, they explore how investors can shift from reactive decisions to proactive smart money investments. This episode highlights how a well-structured retirement investment strategy can help you stay confident—even when headlines create fear.

Listen in to learn about how to build a resilient smart investment plan that helps protect your retirement during uncertain times. Radon and Murs break down key financial planning strategies for 2026, including how to reduce sequence of returns risk, incorporate alternative investments and private investments, and utilize tools like fixed index annuities to create stability. If you’re focused on planning retirement, creating a retirement checklist, and ultimately retiring comfortably, this episode will help you secure your retirement with confidence.

In this episode, find out:

1. How Geopolitical Risk and global uncertainty contribute to market volatility and investor anxiety
2. Why a balanced retirement investment strategy should include both growth and protection
3. The importance of asset location and how it differs from traditional diversification
4. How alternative investments and private investments can reduce overall portfolio risk
5. How fixed index annuities can help manage sequence of returns risk and provide stable income

Tweetable Quotes:

“When your income is protected and not tied to the market, it becomes much easier to ride out volatility and stay confident in your retirement plan.” – Murs Tariq

“The goal isn’t to eliminate risk—it’s to design a smart investment plan where your money is working in different ways at different times.” – Radon Stancil

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the powerful Mega Backdoor Roth strategy with Director of Financial Planning and Tax Strategy, Taylor Wolverton. They break down how high-income earners can potentially create tax free wealth using advanced Roth 401k strategy techniques, including 401k after tax contributions and in-plan conversions. This episode dives into how these lesser-known financial planning strategies can help individuals who are serious about retirement tax planning and building a strong retirement financial plan.

Listen in to learn about the differences between a Mega Backdoor Roth, a Backdoor Roth IRA, and traditional retirement savings strategies. Radon, Murs, and Taylor explain the role of 401k contribution limits, Roth IRA income limits, and how these strategies may help high-income earners implement a smart tax strategy designed to maximize tax free retirement income. If you’re focused on planning retirement, creating a retirement checklist, and learning how to retire comfortably, this episode offers valuable insights to help you secure your retirement.

In this episode, find out:

1. How the Mega Backdoor Roth works and why it can be a powerful high income tax strategy
2. The difference between after-tax 401k contributions, traditional 401k contributions, and Roth options
3. How Roth conversion strategies can potentially turn taxable growth into tax free retirement income
4. The key differences between a Backdoor Roth IRA and the Mega Backdoor Roth 401k strategy
5. Important considerations when including this strategy in your retirement financial plan and overall retirement planning strategy

Tweetable Quotes:

“The reason people call it a Mega Backdoor Roth is because you’re not contributing directly to the Roth 401k—you’re contributing after-tax dollars and converting them to build a larger tax-free portfolio.” – Radon Stancil

“If your income is above the Roth IRA income limits, you may still have options to get money into a Roth through strategies like the Backdoor Roth IRA or Mega Backdoor Roth.” – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.