The Sage Investor

Retirement worries have a way of multiplying, but what if the biggest risk isn't the problem itself, it's not having a plan for it? In this episode of The Sage Investor Podcast, Larry Kiser explores the fears that often keep retirees awake at night, from running out of money and inflation to healthcare costs, market volatility, and long-term care concerns. Larry discusses why today's headline worries can feel overwhelming, how emotional reactions impact financial decisions, and why a well-designed retirement plan can help you feel confident despite life's uncertainties. He also explains the difference between transactional planning and transformational planning, helping retirees move beyond fear and toward a vision for the life they truly want to live in retirement.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

Retirement planning has its own language, but what if understanding a few key terms could completely change your financial future? In this episode of The Sage Investor Podcast, Larry Kiser continues breaking down the retirement jargon that often leaves people feeling overwhelmed. From rollovers and transfers to tax diversification, Roth accounts, distribution planning, and sequence of returns risk, Larry explains what these terms actually mean and why they matter. Through real-world examples, he shows how understanding the mechanics behind retirement planning can help investors avoid costly mistakes, improve tax efficiency, and make more informed decisions. Knowledge may not eliminate uncertainty, but it can make retirement planning feel far less intimidating.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

Ever feel like retirement planning has its own language and everyone else got the dictionary except you? In this episode of The Sage Investor Podcast, Larry Kiser breaks down some of the most common retirement planning terms that often leave people confused. From RMDs (Required Minimum Distributions) and sequence of returns risk to diversification, Roth conversions, replacement rates, and IRMAA surcharges, Larry explains what these concepts actually mean and why they matter. Through real-world examples, he shows how understanding the language of retirement can help you make more informed financial decisions. If you've ever heard your advisor use a term that made your eyes glaze over, this episode is designed to help translate retirement jargon into plain English.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

Does achieving the American Dream really require a $5 million price tag, or is retirement more attainable than many people think? In this episode of The Sage Investor Podcast, Larry Kiser examines the growing cost of retirement and why headlines about million-dollar retirement goals don't tell the whole story. Larry discusses the difference between retiring comfortably and staying comfortably retired, the role of Social Security and pensions, and the importance of creating a flexible income plan that can adapt to changing circumstances. The conversation also explores rising healthcare costs, tax planning opportunities, and newer long-term care strategies that many retirees may not realize are available today.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

The hardest family money conversations often aren't about money at all, they're about love, independence, aging, and uncertainty. In this episode of The Sage Investor Podcast, Larry Kiser discusses how families can approach difficult conversations about inheritance, long-term care, caregiving, and financial planning before a crisis forces decisions to be made. Larry shares why many parents avoid these discussions, the emotional challenges that can create conflict, and the importance of approaching the conversation with empathy rather than assumptions. He also explores practical planning strategies that may help families navigate future care needs while preserving options, dignity, and financial flexibility for everyone involved.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

What happens to your retirement plan if retirement arrives earlier than expected…and not by choice? In this episode, Larry Kiser discusses the financial decisions that can follow a job loss later in your career. From managing old 401(k) accounts and avoiding costly withdrawal mistakes to maintaining liquidity and exploring Roth conversion opportunities during lower-income years, Larry explains how a difficult transition can create opportunities for smarter planning. He also highlights why leaving old retirement accounts behind may cost more than many people realize. The takeaway: an unexpected career change doesn’t have to leave your retirement strategy in limbo if you understand your options and have a plan for the next step.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

What if some of the biggest retirement opportunities come with an expiration date? In this episode, Larry Kiser explores key retirement planning windows that can have a lasting impact on your financial future. From catch-up contributions at age 50 and rollover opportunities after 59½, to Social Security timing, Roth conversions, and required minimum distributions, Larry discusses why timing matters. He also shares insights on why waiting too long to act can limit your options and how small decisions made today can shape the retirement lifestyle you enjoy tomorrow. The takeaway: retirement planning isn’t just about what you do, it’s about knowing when to do it.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

Living longer is one thing, but making your money last just as long is a whole different challenge. In this episode, Larry Kiser explores what’s truly within your control when it comes to retirement planning, from spending habits and saving strategies to navigating market cycles and tax exposure. Using practical analogies and real-world scenarios, the conversation highlights why flexibility, discipline, and thoughtful decision-making matter just as much as the numbers themselves. Larry also dives into the growing importance of tax planning, including why today’s historically low rates may not last forever. It’s a candid look at balancing longevity, lifestyle, and financial strategy over the long run.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

What if one health event could rewrite your entire retirement plan overnight? In this episode, Larry Kiser tackles the often-avoided topic of long-term care and why planning for it matters more than most people realize. With the majority of retirees likely to need some form of care, and only a small percentage prepared, the conversation explores the emotional, financial, and logistical realities families face. Larry breaks down the cost challenges, common misconceptions about self-funding, and how modern hybrid solutions are changing the conversation. It’s a candid look at how early, intentional planning can help protect both your retirement and the people who may one day care for you.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.

What if your retirement turns out to be less “double‑stuffed” than you expected? In this episode of The Sage Investor Podcast, Larry Kiser unpacks the gap between expectation and reality in retirement planning—using a surprising Oreo analogy to bring it to life. He explores common disconnects around Social Security, investment strategy, healthcare costs, and inflation, and why assumptions can lead to disappointment if not tested. The conversation also highlights how past market fears, tax surprises, and evolving expenses can reshape outcomes without a clear strategy. It’s a practical look at aligning expectations with a well‑structured, adaptable financial plan.

Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.

See omnystudio.com/listener for privacy information.