What do Shohei Ohtani’s contract and your retirement plan have in common? In this episode, Brooks Bernhagen breaks down how income deferment strategies—like annuities, Roth conversions, and delayed Social Security—can create flexibility and reduce tax burdens. From Medicare premiums to market risk, Brooks shares how to build a retirement game plan that balances growth and protection. Whether you're 50 or already retired, it's all about knowing when to ease off the gas and shift into safer assets.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

What do scented candles and retirement accounts have in common? They both can hide toxic surprises. In this episode, financial advisor Brooks Bernhagen breaks down the invisible risks lurking in your portfolio—from high fees and outdated allocations to misleading “premium” investments. Using relatable analogies and real-world examples, Brooks explains how to clean up your financial plan and manage risk like a pro, especially in uncertain markets. Whether you're nearing retirement or already there, this conversation offers a fresh perspective on protecting your future.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

Is your retirement plan ready for the unexpected twists ahead? In this episode, Brooks Bernhagen, the Retirement Referee, breaks down the latest Social Security cost-of-living adjustment, reveals why gold’s record highs spark both excitement and caution, and shares strategies to separate emotion from smart investing. Tune in for practical insights on budgeting, Medicare, and building a resilient retirement portfolio—plus a candid take on FOMO and financial headlines.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

What do road trips, tantrums, and taxes have in common? Each brings unexpected twists—just like retirement. Brooks Bernhagen, your Retirement Referee, unpacks the financial curveballs that can catch retirees off guard. From building emergency funds to spotting hidden tax traps in Social Security, RMDs, and Medicare, Brooks shares real stories and actionable advice to help you stay ahead. Whether you’re nearing retirement or just starting out, this episode delivers relatable insights and expert guidance.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

When the seasons change, should your retirement strategy shift too? In this episode, Brooks Bernhagen breaks down how interest rate changes, spending volatility, and overlooked financial “cavities” can impact your retirement plan. Discover why proactive income planning, regular portfolio checkups, and flexible withdrawal strategies are essential for navigating the unpredictable landscape of retirement—so you can adapt with confidence, not just react.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

Is your retirement plan ready for the twists and turns ahead? This episode tackles the Medicare maze, reveals what to do if your plan gets discontinued, and uncovers common retirement mistakes that could cost you. Learn how guaranteed income brings peace of mind and why flexibility is the secret to a fulfilling retirement. Tune in for practical insights and real-world advice from trusted retirement strategist Brooks Bernhagen.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

Is your retirement plan ready for the unexpected twists—like a discontinued Medicare plan or shifting income streams? This episode of the Retirement Referee Podcast tackles the maze of Medicare open enrollment, the real meaning of “guaranteed income,” and why flexible thinking is essential for a fulfilling retirement. Discover how outdated rules and assumptions can trip you up and learn practical strategies to design a retirement that fits your life, not just your age.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

When the bull market cools, will your retirement plan withstand the storm? In this episode, Brooks Bernhagen reveals how retirees can protect their nest egg, avoid common annuity mistakes, and strike the perfect balance between enjoying life and securing lasting income. Discover strategies for building a resilient retirement plan that thrives in any market season.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

Is your retirement plan built to weather every storm—or just the sunny days? In this episode, Brooks Bernhagen, the Retirement Referee, breaks down why September is historically tough for investors and how to build a resilient strategy that goes beyond market myths. Discover the power of “paychecks and playchecks,” learn why spending plans matter, and hear insights on overcoming the fear of outliving your savings. Tune in for practical advice to help you retire with confidence and enjoy every Saturday like it’s your best day.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.

What if a tiny 1% fee could quietly drain nearly a third of your retirement savings? In this episode of Retirement Referee, Brooks Bernhagen break down the hidden costs that could sabotage your nest egg. From financial fees to emotional blind spots, they explore how retirement is more than just a financial shift—it’s a personal reinvention. Plus, hear how legendary coach Nick Saban’s reflections on teamwork connect to building your own winning retirement team.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

See omnystudio.com/listener for privacy information.