The Retirement Solution

Think retirement planning ends once you reach your 70s? Think again. In this episode of the Retirement Solution Podcast, Jon Hicks discusses key financial moves retirees should consider after age 70, including qualified charitable distributions (QCDs), Roth conversions before required minimum distributions (RMDs), long-term care planning, and estate and legacy strategies. The conversation explores how these decisions may affect taxes, healthcare costs, and wealth transfer, highlighting why retirement planning remains an ongoing process well beyond your working years.

 

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What if the biggest threat to your retirement plan isn't the market, but the decisions you make when fear takes over? In this episode from this past weekend's radio show, Jon Hicks discusses investor anxiety despite strong markets, strategies for managing risk, the importance of tax-smart planning, and why asset location can matter as much as asset allocation. He also explores a key retirement question: not just what you're retiring from, but what you're retiring to, and how purpose can play a vital role in retirement.

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What do you do when stocks look expensive, bonds seem less appealing, and cash is sitting on the sidelines? In this episode, Jon Hicks explores the challenge investors face in today’s market environment and discusses alternative strategies that may balance growth opportunities with risk management. The conversation covers market valuations, interest rates, historical market comparisons, principal protection concepts, and the importance of understanding your options when planning for retirement and long-term investing.

 

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Could inflation, taxes, and missed retirement opportunities be quietly costing you more than you realize? In this episode from this past weekend’s radio show, Jon Hicks discusses how rising interest rates and inflation can affect retirement income, why age 70 can unlock important planning opportunities, and how strategies like qualified charitable distributions and Roth conversions may fit into a broader retirement plan. Jon also explains why managing investments and creating retirement income are two very different challenges, and what retirees should consider when transitioning from saving money to spending it.

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Could a simple retirement withdrawal trigger a chain reaction of taxes you never expected? In this episode, Jon Hicks explains how retirement income decisions can affect Social Security taxation, Medicare premiums, capital gains, and Required Minimum Distributions (RMDs). He discusses why taxes can "stack" in retirement, the importance of understanding key planning windows before RMD age, and how choosing which accounts to withdraw from may impact long-term retirement income. Learn why tax efficiency can play a significant role in shaping a retirement income strategy.

 

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What would you do if a sudden windfall landed in your bank account tomorrow? On this episode from this past weekend’s radio show, Jon Hicks discusses the biggest mistakes people make when receiving a bonus, inheritance, business sale payout, or other financial windfall. He explains why new money should fit into an existing retirement strategy, highlights potential tax pitfalls, and shares the value of a cooling-off period before making major financial decisions. The conversation also explores retirement tax planning, healthcare costs, and ways to create a more efficient income strategy in retirement.

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What does the collapse of Columbia House have to do with your retirement plan? In this episode, Jon Hicks explores how a single faulty assumption can create challenges, whether in business or retirement. He discusses the importance of stress-testing retirement plans against inflation, market downturns, Social Security changes, healthcare costs, and income withdrawals. Jon explains why retirees should regularly revisit their assumptions and evaluate how different scenarios could affect long-term income needs. The conversation focuses on preparing for uncertainty and building a retirement strategy that accounts for both financial and emotional realities.

 

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What matters more than predicting the next market correction? Having a plan for when it arrives. From this past weekend’s radio show, Jon Hicks discusses why investors often spend too much time focusing on market forecasts and not enough time preparing for downturns. He explains the importance of income planning, portfolio protection strategies, account consolidation, and tax efficiency. The conversation also covers required minimum distributions (RMDs), how taxes can compound in retirement, and why proactive planning may help retirees better understand the impact of market volatility and future tax obligations.

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Saving for retirement may be the easy part, but what happens when it’s time to turn those savings into income? In this episode of the Retirement Solution Podcast, Jon Hicks discusses why many DIY investors encounter challenges as retirement approaches. The conversation covers healthcare costs, Social Security planning, unexpected expenses, tax efficiency, income distribution strategies, and the importance of building a margin for error into a retirement plan. Jon also shares a powerful story illustrating how preparation and risk management can play a critical role when navigating retirement's uncertainties.

 

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Could the upcoming midterm elections create more market volatility than investors expect? In this episode, Jon Hicks discusses how markets often react to uncertainty surrounding election years and why retirement planning should focus on preparation rather than predictions. Using a "roof on the house" analogy, he explains the importance of stress testing a portfolio, understanding potential risks, and building a plan designed to account for a variety of market conditions. The conversation explores historical market trends during midterm election years and why clarity, not politics, is often what drives market behavior.

 

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