Is claiming Social Security at 62 a smart move or a costly mistake? Ryan Herbert & Katherine Groce dive into the heated debate sparked by financial guru Dave Ramsey and his advice to take Social Security early, even while working. They break down the real math behind penalties, taxes, and investment returns. Discover why timing matters, how life expectancy and income shape your decision, and what pitfalls to avoid.

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Are you missing out on thousands in retirement savings because of new 401(k) rules? Ryan Herbert and Katherine Groce break down the latest Secure Act changes, explain why high earners must rethink their catch-up contributions, and how tax diversification—using Roth accounts and cash value life insurance—can protect your future. Discover actionable strategies to maximize tax-free income, avoid costly mistakes, and build a resilient retirement plan.

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Ryan Herbert discusses the “three holes” strategy—like snow tires for your portfolio—to take action in preserving your income in retirement. He breaks down practical exit strategies, the importance of backup plans, and how to balance risk and reward for lasting financial security. Ryan explains why relying on old market wisdom can leave you exposed, and how modern approaches like dividend portfolios and annuities could be a better way to go.

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Are you concerned about your retirement spending? Ryan Herbert dives into the surprising reality of how your expenses shift from your first year of retirement through your golden years. He explains why most retirees spend conservatively at first, ramp up for bucket-list adventures, and eventually plateau—until medical costs rise. Learn how a flexible financial plan could empower you to enjoy retirement without fear of outliving your money, and why a one-size-fits-all approach just doesn’t work.

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Are you making retirement decisions based on outdated rules or generic advice? Ryan Herbert and Lawrence Kiely dive into Kiplinger’s Five Golden Rules of Retirement Planning, revealing why lifetime income, liquid savings, risk management, tax efficiency, and legacy planning must work together. They explain why diversification goes beyond mutual funds, why withdrawal-based plans can fail, and how adaptability is crucial for your financial future.

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What if your favorite breakfast food could cost you minutes of your life—and your financial choices could cost you years? Mike Canet and Ryan Herbert discuss a study from the University of Michigan that highlights the things we eat and the poor decisions we make, and highlight the parallels of this with financial planning mistakes. They unpack the critical differences between financial advisors and true financial planners, and how holistic planning, tax strategies, and estate decisions impact your retirement journey.

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Ryan Herbert & Lawrence Kiely breakdown these 7 rules in retirement that may not apply to you:

1) The 4% Rule

2) Spend as little as possible

3) Delay your Social Security until age 70

4) You need $1 Million to retire

5) Pay off your mortgage before retirement

6) You should avoid Annuities

7) 65 is THE retirement age

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Is retirement really the most financially complex time of your life? That's what Fiona Greig, Vanguard's Global Head of Investor Research thinks. Mike Canet and Ryan Herbert dive into this question and unpack why the transition from saving to spending is more than just a financial shift—it’s an emotional and strategic overhaul. They explore how identity, income, taxes, estate planning, and long-term care all collide in retirement, and why working with a “phase two fiduciary” is critical to avoid costly missteps. Hear how one investor’s $14 million Bitcoin decision turned into a tax nightmare, and why timing and planning matter.

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What if the biggest threat to your retirement isn’t market crashes or investment fees—but taxes? In this episode, Mike Canet and Ryan Herbert reveal how overlooked tax planning can quietly drain 30–40% of your retirement income. They discuss how some advisors miss critical opportunities to protect your wealth and explain why diversifying your tax exposure is just as vital as diversifying your portfolio—and how a simple shift could mean thousands saved.

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What if your retirement plan is built on numbers that don’t actually apply to you? In this episode, Mike Canet and Ryan Herbert expose the pitfalls of generic financial advice—like buying annuities without knowing your real income needs. Through stories of retirees overspending, over-saving, and overpaying in taxes, they show how personalized planning can prevent costly mistakes.

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