The Roth Guy with Jude Wilson

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Could one Social Security mistake cost you thousands of dollars in retirement? Jude welcomes registered Social Security analyst Wendy Barnett to uncover overlooked benefits and claiming strategies that could make a significant difference in your financial future. Through real-life stories, they explore how divorce, survivor benefits, and dependent benefits can impact retirement income. They also discuss coordinating Social Security with Roth conversions and avoiding costly claiming mistakes. Discover why understanding your options and building a personalized strategy could help you make the most of your retirement benefits.

Here’s some of what we discuss in this episode:

💡 Maximizing Benefits: Making informed Social Security claiming decisions

💍 Divorce Benefits: Understanding the important 10-year rule

👨‍👩‍👧 Survivor Benefits: Protecting loved ones after unexpected loss

🔄 Roth Conversions: Coordinating taxes and retirement income

⚠️ Common Mistakes: Avoiding costly Social Security claiming errors

📊 Retirement Planning: Finding strategies suited to your situation

Download our Step-by-Step Social Security Guide: https://u.pcloud.link/publink/show?code=XZpUamJZTR74qhkdYPYPBHvXcAJvdf38j8uX

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Centrus GPS 5 Pillars Document: https://centrusfs.com/wp-content/uploads/2026/05/The-WHY-at-the-CENTER-of-your-WEALTH-4.pdf

5 Worlds of Holistic Financial Planning Document: https://drive.google.com/file/d/1FLt7vU48BY9F1dShwOlAYRuf-sH1fEWm/view?pli=1

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Talking about money can be hard for some people, and sometimes it just takes the right question to get things rolling. Jude goes over a few today that he thinks are worth asking. None of these questions are really about money. That's kind of the point. Sometimes the best way into a financial conversation is to start somewhere else entirely.

Here’s some of what we discuss in this episode:

🏔️ Financial Freedom: Moving from accumulating wealth to using money to buy back your time

🎯 Your Why: Putting purpose at the center of your wealth once you reach retirement

💭 Dream Sessions: Using thought-provoking questions to uncover what really matters

❤️ Retire to Something: Finding passions, experiences, and meaningful work beyond your career

🪣 Bucket List: Prioritizing experiences based on timing, health, and mobility

🧠 Financial Psychology: Why shifting from saving to spending can be one of retirement’s hardest transitions

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Centrus GPS 5 Pillars Document: https://centrusfs.com/wp-content/uploads/2026/05/The-WHY-at-the-CENTER-of-your-WEALTH-4.pdf

5 Worlds of Holistic Financial Planning Document: https://drive.google.com/file/d/1FLt7vU48BY9F1dShwOlAYRuf-sH1fEWm/view?pli=1

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Based on a recent article from Kiplinger, there are five keys to a retirement plan that actually hold up over time. They all happen to start with the same letter — which either means it's a great framework or someone really wanted it to work out that way. The goal is to build a retirement that holds up over the long haul. If you want to run through these Five D’s with your own situation, that's exactly what Jude is here for.

Here’s some of what we discuss in this episode:

⏳ Duration: Planning for a potentially long retirement

🧩 Diversification: Why retirement requires more than different funds

🛡️ Downside Protection: Preparing for market declines

✈️ Discretionary Spending: Making room for wants, not just needs

🧾 Tax Drag: How taxes can erode retirement income

📈 Inflation Drag: Protecting purchasing power over time

How to Turn a $1 Million Nest Egg Into a Lifetime Income Machine

https://www.kiplinger.com/retirement/retirement-plans/how-to-turn-a-usd1-million-nest-egg-into-a-lifetime-income-machine

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Most people plan to retire around 65, but new research shows many actually retire closer to 62- and often not by choice. Health issues, layoffs, disabilities, and other unexpected circumstances can suddenly move that retirement date forward. In this episode, Jude breaks down why that three-year gap matters and how it can affect your income, healthcare, Social Security, and investment strategy.

Here’s some of what we discuss in this episode:

🗓️ Early Retirement: Plans can change suddenly

🪣 Income Buckets: Adjust withdrawals as needed

🏥 Health Coverage: Bridge the insurance gap

📈 Portfolio Risk: Reassess growth exposure

⏱️ Social Security: Timing may need adjusting

🧭 Flexible Planning: Build around new circumstances

Millions Are Retiring Earlier Than Planned Article:

Millions Are Retiring Earlier Than Planned. Do Advisors Need To Rethink Planning?

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Dave Ramsey has built one of the most recognized brands in personal finance. Millions of people have followed his advice out of debt and into savings. But when it comes to how much you should pull from your retirement accounts each year, Ramsey takes a position that some financial professionals find hard to get behind. Today, we break it down: what Dave says, what the research says, and what Jude really thinks.

Here’s some of what we discuss in this episode:

📊 8% Rule: Big income, bigger questions

⚠️ Market Drops: Withdrawals can deepen losses

🔁 Sequence Risk: Timing can change outcomes

🪣 Bucket Strategy: Separate safety, income, growth

🎯 Personal Plan: Match withdrawals to real needs

✅ Stress Test: Look beyond rules of thumb

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Centrus GPS 5 Pillars Document

5 Worlds of Holistic Financial Planning Document

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Building wealth is important but protecting it can be just as critical. In this episode, Jude explains why a strong financial plan goes beyond investments and includes the safeguards needed to protect your family, your wishes, and your legacy. He explains how small oversights today can lead to major complications later and why protection planning deserves more attention than it often receives.

Here’s some of what we discuss in this episode:

🛡️ Risk Protection: Safeguarding what matters most

❤️ Legacy Planning: Life insurance beyond income replacement

📋 Beneficiary Review: Simple updates with big consequences

📜 Estate Planning: Trusts, titling, and avoiding mistakes

👨‍👩‍👧 Family Support: Helping loved ones navigate transitions

⚠️ Asset Protection: Managing risk in a litigious world

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Centrus GPS 5 Pillars Document

5 Worlds of Holistic Financial Planning Document

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, Jude walks through what it actually feels like to work with a firm like Centrus Financial- from the first conversation to ongoing guidance- so you know what to expect. Every firm can tell you what they do. We'd rather show you. If anything we talked about today sounds like the kind of relationship you've been looking for, let’s have a conversation.

Here’s some of what we discuss in this episode:

🧭 GPS Process: The five pillars of planning

📋 Planning First: Why investments come second

🎯 Client Discovery: Building a plan around your why

🚦 Ongoing Guidance: Communication beyond onboarding

👨‍👩‍👧 Life Changes: Adapting through every stage

🧠 Behavior Coaching: More than investment advice

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Centrus GPS 5 Pillars Document

5 Worlds of Holistic Financial Planning Document

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Most people think financial planning is about growing wealth. But when life takes an unexpected turn, the real question becomes much more personal: will the people you love be okay? In this episode, Jude shares why true financial planning goes far beyond investments and returns. He explores what real financial protection actually looks like and how having a plan in place can completely change a family’s future.

Here’s some of what we discuss in this episode:

❤️ Financial Planning Is About People: Real planning focuses on protecting loved ones, not just growing assets

🛡️ Risk Management Matters: Good planning prepares families for unexpected life events and financial disruptions

📄 Beneficiary Mistakes: Simple oversights can create major unintended consequences later

⏳ Long-Term Care Can Reshape Retirement: Healthcare costs can quietly erode wealth without proper planning

🧭 Trusted Advisors Bring Clarity: Families often need guidance most during emotional and uncertain seasons

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Centrus GPS 5 Pillars Document

5 Worlds of Holistic Financial Planning Document

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Most folks meet with their financial advisor once a year. That meeting can be one of the most valuable hours in your financial life… when it’s used well. Today, Jude shares what an annual review often looks like when it’s limited to surface-level topics, and what it can look like when it’s approached more holistically.

 Don’t view your annual review as just a formality. Come ready for a real conversation!

Here’s some of what we discuss in this episode:

⚠️ One-Topic Trap: Reviews shouldn’t just cover investments

🧩 Full Picture: Income, taxes, estate, and risk all matter

🔄 Plans Evolve: Adjust based on life and markets

💬 Real Dialogue: Engagement helps build better outcomes

🧭 Trust Builds: Strong relationships can help improve decisions

Centrus GPS 5 Pillars Document

5 Worlds of Holistic Financial Planning Document

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Today, Jude dives into a hot topic: a new proposal that could shake up Social Security for high earners. The plan could change how benefits are structured, and while it aims to address the program’s future, it’s raising some eyebrows. Jude breaks down what this means for your retirement planning and how you can stay ahead of the game. Tune in for a quick rundown of what’s at stake and how to plan for it.

Here’s some of what we discuss in this episode:

🔑 Social Security Change: Proposal to cap benefits could affect high earners

💡 Insolvency Risk: 24% cut by 2032 unless action is taken

📊 Capping Benefits: $50K for individuals, $100K for couples

🧠 Proactive Planning: Focus on strategies beyond Social Security

🎯 High Earners: Potential impacts and the need for means testing

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Read our Disclosure: https://docs.google.com/document/d/129gq1ZKnyIXyA6-vyWXMg5oCH4mx0S44/edit?usp=sharing&ouid=118442068585128500668&rtpof=true&sd=true