Simplicity Retirement Blueprint

Losing money in the stock market is never the goal. But what if some of those losses could actually work in your favor?

In this episode, Josh Pick and Logan Harris explore how investors can use market declines to potentially reduce taxes without abandoning their long-term investment strategy. They explain direct indexing and tax-loss harvesting, two strategies that can turn individual stock losses into opportunities to offset capital gains.

The conversation also covers how these strategies can create additional flexibility for Roth conversions, help investors diversify concentrated stock positions, and potentially preserve more wealth for retirement and future generations.

It's a look at an investment strategy that was once largely reserved for the ultrawealthy, and why advances in technology are making it accessible to more investors.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

See omnystudio.com/listener for privacy information.

Market declines are part of investing. The bigger question for retirees is whether your plan is built to live through them without forcing you into a bad decision at the wrong time.

In this episode, we start with inflation, interest rates, oil prices and the latest market expectations before zooming out to something much more important: how often meaningful market declines actually happen. We discuss why trying to jump in and out of the market can be so costly, what recovery periods can look like after larger declines, and how diversification and a reserve of protected assets can help make volatility more manageable.

We also look at why diversification goes beyond simply owning more stocks, including international markets, fixed income, hedged strategies and other assets designed to respond differently when markets get rough. Ultimately, the goal isn't to eliminate every loss. It's to build a portfolio around your income needs, time horizon and ability to stay invested when the inevitable downturn arrives.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

See omnystudio.com/listener for privacy information.

Plenty of people make it to retirement on their own. They've spent decades saving, investing, and building wealth, sometimes accumulating millions of dollars without professional help.

So why do people who've already done everything right decide to seek financial advice?

This week, Bruce Hooley asks Josh Pick and Logan Harris that very question. From confirming you have enough to retire to creating income, managing taxes, and gaining the confidence to spend what you've saved, we explore what finally brings successful investors through our doors.

Ready to talk about your retirement?

Visit www.SimplicityWealth.com/Columbus-Ohio or call (614) 917-1040 to schedule a complimentary, no-obligation consultation.

The Retirement Blueprint Show airs Fridays at 4 PM and Saturdays at 12 PM on 98.9 FM The Answer.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

See omnystudio.com/listener for privacy information.

We've got some exciting things coming up at Simplicity Wealth Columbus!

This week, Josh Peck and Logan Harris join Bruce Hooley to discuss the latest economic headlines, including the Fed's interest rate dilemma, inflation, and the impact of AI on the markets.

Then, we turn our attention to two upcoming educational events designed to help you make more informed financial decisions.

Join us for one of our upcoming events:

• Social Security Workshops: October 13 and 14, 6:30–7:30 PM at the Powell Municipal Building.

• Money, Meaning, and Markets: November 5, 6:30–8:00 PM at 8101 North High Street. Explore smarter charitable giving strategies and get your financial questions answered.

Space is limited. Visit www.SimplicityWealth.com/Columbus-Ohio and select Events to learn more and register.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm nor does it indicate that the adviser has attained a particular level of skill or ability. Investments involve the risk of loss. Simplicity Wealth Advisors does not provide legal or tax advice. The content provided is for informational purposes only and should not be construed as investment, legal or tax advice. Clients and prospective clients are encouraged to consult with their own legal and tax professionals regarding their specific situations.

See omnystudio.com/listener for privacy information.

Retirement decisions rarely stand alone.

When you claim Social Security can affect taxes, Medicare costs and survivor benefits. Working longer may sound like a simple solution, until health, family or job changes force the issue. Even choices like borrowing from a retirement account can look very different once you compare the full cost instead of relying on a rule of thumb.

In this episode, Josh and Logan discuss why a good retirement plan has to account for how these decisions interact, how changing circumstances can reshape the plan, and why flexibility and backup options matter just as much as the original strategy

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit SimplicityWealth.com/Columbus-Ohio
Or call (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.

The week ended with another jobs report, another round of questions about interest rates, inflation, housing and what the Fed might do next.

But the bigger conversation became something else entirely: How do you make sure the people helping guide your retirement are still improving too?

In this episode, Josh and Logan talk about why the firm chose Simplicity Wealth, what scale and resources can add to an advisory practice, and why access to better technology, deeper specialization and broader experience can matter to clients.

They also discuss the balance between having the backing of a larger organization and still maintaining the independence to recommend what actually fits the person sitting across the table. 

Because the goal is not just a better client experience on the surface. It is better planning, better monitoring, better communication and a stronger process for making retirement decisions over time.

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit SimplicityWealth.com/Columbus-Ohio
Or call (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.

Interest rates can affect everything from borrowing costs to bond values and retirement income. But even investments considered “safe” can create challenges if rates change or income ends sooner than expected.

Social Security also comes with more decisions than many people realize. When should you claim? How could working, taxes or future benefit changes affect what you receive?

And once required minimum distributions begin, could they also increase the taxes on your Social Security or raise your Medicare premiums?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.

For years, much of the S&P 500 growth has been attributed to a handful of companies in a couple of sectors. But recent outlooks question how long the tech and AI growth can last. Does betting on their continued dominance still make sense?

We've all heard of these investment vehicles: mutual funds, exchange traded funds (ETFs) and separately managed accounts (SMAs). But what do these acronyms mean?

How can we best use them in different account types to help build a portfolio and retirement plan that makes sense for you?

Find out today on the Simplicity Wealth Blueprint Show.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.

For years, the goal was simple: save, invest, and keep building.

As retirement gets closer, how does that change the goals?

The focus starts to shift:

How do you turn savings into reliable income?

How should taxes and withdrawals be managed?

Does your investment strategy still fit?

Josh and Logan also discuss the Fed, Jackson Hole, and why retirement decisions shouldn’t hinge on predicting the next move in interest rates.

Because getting to retirement is one thing. Knowing how to manage your money once you’re there is another.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help.

Schedule a complimentary, no-obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.

A strong jobs report. A Fed governor makes a comment. Markets move. Suddenly everyone has an opinion about what it means for your retirement.

But the closer retirement gets, the bigger questions are often much more personal.

Can you actually retire?
Can you spend the money you spent decades saving?
And can you finally relax without worrying that one bad market, tax surprise, or unexpected expense could derail everything?

In this episode, Josh and Logan talk about why retirement requires more than money. They discuss the behavioral side of making the transition, why even well prepared retirees can struggle to spend, and how stress testing a retirement plan can help turn uncertainty into confidence.

Ready to take the next step?

If today’s episode sparked questions about your own retirement, we’re here to help. Schedule a complimentary, no obligation consultation with our team.

Visit www.SimplicityWealth.com/Columbus-Ohio

Or give us a call at (614) 917-1040

The Retirement Blueprint Show airs every Friday at 4 PM and Saturday at 12 PM on 98.9 FM The Answer. You can also subscribe to the podcast so you never miss an episode.

The information discussed in this podcast is for educational purposes only and should not be considered personalized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Please consult a qualified professional regarding your individual circumstances.

See omnystudio.com/listener for privacy information.