Schedule: www.victoryindependentplanning.com/contact

Download the book: https://victoryindependentplanning.com/ (Click on “Download Free Retirement Guide.”

Does your financial advisor really suck?Probably not.But the system many advisors work in just might.In this episode of The Retirement Income Lab, Patrick Huey, CFP®, breaks down why so many investors and retirees feel ignored, underserved, or overcharged by their financial advisor — even when that advisor seems like a perfectly decent person.The real problem is often the business model: too many clients, too little personalization, product-driven advice, and not enough proactive retirement planning.If you’re within 5 years of retirement, already retired, or paying around 1% for wealth management, this episode will help you ask a very important question:What am I actually getting for the fee I pay?In this video, you’ll learn:

➡️Why your advisor may not be the problem — but the system they operate in is➡️How Dunbar’s number helps explain why advisors with hundreds of clients can’t truly know most of them well➡️Why more clients are not always better for the client➡️How wirehouses, broker-dealers, and even some large RIAs create pressure for growth over stewardship➡️The warning signs that your financial advisor may be giving you generic advice instead of real planning➡️What a healthy advisory relationship should look like➡️What value you should expect for a 1% advisory fee➡️Why investment management alone is not enough to justify what you pay➡️How tax planning, Roth conversions, Social Security timing, Medicare guidance, estate planning, and behavior coaching can create real advisor value➡️The key questions to ask your advisor about fees, fiduciary duty, service model, and client load

If you’ve ever wondered:❓Is my financial advisor worth 1%?❓Am I getting real retirement planning or just investment management?❓How many clients is too many for one advisor?❓Should I get a second opinion on my retirement plan?I❓s my advisor really acting as a fiduciary?…this episode is for you.Why this matters:A retirement plan usually doesn’t fail because of one bad mutual fund.It fails because the relationship around the plan breaks down under stress.When markets fall, taxes change, healthcare costs rise, or retirement gets closer, you don’t need a product pitch. You need a steward who knows your situation, understands your goals, and can guide you through real decisions.That’s what this episode is about.

About Patrick Huey and The Retirement Income LabI’m Patrick Huey, CFP®, owner of Victory Independent Planning and host of The Retirement Income Lab.This channel is for high-saving professionals within about five years of retirement — or just into it — who want clear answers to the questions that matter most:Can I retire?How much risk do I really need?How much of my IRA belongs to the IRS?What am I really getting from my advisor?How do I turn my portfolio into a paycheck I can actually live on?No hype. No stock tips. Just data, discipline, and decisions you can live with.Want a second opinion?If you’re not sure whether your current advisor relationship is delivering real value, or whether your retirement plan is built to hold up under pressure, schedule a Retirement Income Lab Assessment:https://victoryindependentplanning.com/contactIn your assessment, we can help you:Review your current retirement planEvaluate your advisor’s service modelAssess whether your advisory fee is justifiedIdentify gaps in tax, income, healthcare, and estate planningStress-test your retirement income strategyDetermine whether you’re getting stewardship or just generic adviceTimestamps:

00:00 – Does your advisor really suck?

01:05 – Why the real problem is often the system

02:00 – Dunbar’s number and too many client relationships

04:10 – How the wirehouse model created this problem

06:05 – Why the same issue is showing up in large RIAs

07:25 – Warning signs your advisor’s model is failing you

11:00 – What a healthier advisor relationship looks like

13:20 – What are you getting for the 1% you pay?

15:15 – Where real advisor value should come from

17:20 – Questions to ask your advisor right now

20:15 – Why retirement plans fail under stress

21:40 – When it’s time to get a second opinionIf this video helped you:Like the videoSubscribe to The Retirement Income LabShare it with someone who’s paying an advisor but wondering what they’re really getting

Comment below: What do you expect from a financial advisor for 1%?#FinancialAdvisor #RetirementPlanning #RetirementIncome #Fiduciary #AdvisorFees #WealthManagement #FinancialPlanning #Retirement #CFP #RIA #RothConversions #SocialSecurity #MedicarePlanning #RetirementIncomeLab #VictoryIndependentPlanning

Risk Capacity vs Risk Tolerance. Are you taking too much risk with your retirement savings… or not enough?If you’re 5 years from retirement (or just into it), you’ve probably heard two opposite pieces of advice:“Play it safe. Move everything to cash or bonds.”“If you don’t stay aggressive, you’ll run out of money.”Both can be wrong.In this episode of The Retirement Income Lab with Patrick Huey, CFP®, we put retirement risk under the microscope and answer a better question:“How much risk do you actually need to reach your goals — and how much risk will just keep you up at night?”You’ll learn:• The 3 types of risk every retiree should understand:– Risk preference (how much risk you feel comfortable taking)– Risk capacity (how much risk you can actually afford based on your finances)– Portfolio risk (how much risk your investments are really taking)• Why “playing it safe” by moving everything to cash and short‑term bonds can quietly starve your plan over 20–30 years• Why staying too aggressive in your 60s can blow up a good retirement plan in a bad market• A real‑world case study (David & Karen, age 63, $1.8M saved) showing:– How their risk tolerance, risk capacity, and actual portfolio risk don’t match– How an 85% stock portfolio can be more aggressive than they realize– What a better‑aligned mix might look like (so they can still grow AND sleep at night)• Practical questions to ask yourself:– How did you react in past market drops (2008, 2018, 2020)?– What would you do if your portfolio fell 20% next year?– How flexible is your spending in a bad year?– How important is leaving money to kids, grandkids, or charity?If you’re a high‑saving professional heading into retirement, this episode will help you align the risk you feel, the risk you can afford, and the risk you’re actually taking — instead of guessing.👨‍💼 About The Retirement Income LabI’m Patrick Huey, CFP®, CAP®, MBA and owner of Victory Independent Planning. I work with high‑saving professionals nationwide who are within about 5 years of retirement or recently retired, helping them turn portfolios into paychecks they can actually live on.🔎 Want to find out if your risk level is really aligned with your retirement plan?Schedule a Retirement Income Lab Assessment:https://victoryindependentplanning.com/contactIn your Assessment, we’ll help you:• Clarify your retirement goals and spending needs• Measure your risk preference AND your true risk capacity• Analyze the real risk in your current portfolio• Test different investment mixes to see how they affect your income — and your ability to sleep at night⏱ Timestamps00:00 – Two bad pieces of advice about risk in retirement01:20 – The real question: how much risk do you actually need?02:10 – Risk preference vs risk capacity vs portfolio risk04:00 – Case study: David & Karen, age 63, $1.8M saved06:15 – Where their risk is out of alignment07:30 – How much return they really need to fund their plan09:00 – A more balanced, aligned risk level10:10 – Questions to find YOUR “sleep‑at‑night” risk level13:30 – Why aligned risk beats “more” or “less” risk15:00 – How to get your own Retirement Income Lab Assessment✅ If this video helped you:• Hit LIKE to let YouTube know it’s useful• SUBSCRIBE to The Retirement Income Lab for weekly retirement income case studies• COMMENT with your questions about risk in retirement, risk tolerance, or portfolio mixLIKE. SHARE. SUBSCRIBE.Give this video a thumbs up if you enjoyed watching.#retirement #retirementplanning #retirementincome #investing #risk #risktolerance #riskcapacity #financialplanning #CFP #retirees #retireearly #sequenceofreturns #portfolio #VictoryIndependentPlanning #RetirementIncomeLab

If you have a large traditional IRA or 401(k), here’s the uncomfortable truth:

Every dollar in that pre‑tax account is NOT really yours.

You have a silent partner — the IRS — and you won’t know exactly how big their share is until you start taking withdrawals and Required Minimum Distributions (RMDs).

In this episode of The Retirement Income Lab with Patrick Huey, CFP®, we put that relationship under the microscope and answer a key question:

“How much of your IRA really belongs to you… and how much belongs to the IRS?”

You’ll learn:

• Why your traditional IRA or 401(k) balance is a BEFORE‑tax number, not a spendable number

• How a $1,000,000 IRA might really be a 78/22 “partnership” between you and the IRS

• The difference between pre‑tax, Roth, and taxable accounts — and how each is taxed in retirement

• How two households with the same $1M balance can have very different after‑tax outcomes

• The hidden danger of ignoring your IRA taxes until RMDs hit in your 70s

• How RMDs can push you into higher tax brackets, increase taxes on Social Security, and raise Medicare premiums

• Practical strategies to reduce the IRS’s share over time: – Roth conversions in your 60s

– Smarter withdrawal order from pre‑tax, Roth, and taxable accounts

– Using Qualified Charitable Distributions (QCDs) if you give to charity

– Coordinating Social Security timing with RMDs

If you’re a high‑saving professional within about 5 years of retirement (or just into it), this episode will help you see your IRA the way the IRS does — so you can plan before the tax bill shows up.

👨‍💼 About The Retirement Income Lab

I’m Patrick Huey, CFP®, CAP®, MBA and owner of Victory Independent Planning. I work with high‑saving professionals nationwide who are close to or recently in retirement, helping them turn portfolios into paychecks they can actually live on.

🔎 Want to stress‑test your own IRA and RMDs?

Schedule a Retirement Income Lab Assessment:

https://victoryindependentplanning.com/contact

In your Assessment, we’ll help you:

• Map your accounts by tax type: pre‑tax, Roth, and taxable

• Estimate how much of your IRA is effectively pledged to future taxes

• Project your required minimum distributions (RMDs)

• Explore Roth conversions, withdrawal sequencing, and charitable tools to improve your after‑tax income

⏱ Timestamps

00:00 – The “silent partner” in your IRA: the IRS

01:15 – Why your IRA balance is not all yours

02:40 – Example: $1,000,000 IRA and the IRS’s share

04:00 – Pre‑tax vs Roth vs taxable: how each is taxed

06:10 – Two $1M households, very different after‑tax realities

08:30 – The danger of waiting until RMDs to think about taxes

10:30 – How RMDs can raise your tax bracket & Medicare premiums

12:00 – Strategies to reduce the IRS’s share (Roth conversions, QCDs, withdrawal order)

17:30 – Key questions to ask about your IRA and taxes

19:00 – How to get your own Retirement Income Lab Assessment

✅ If this video helped you:

• Hit LIKE to let YouTube know it’s useful

• SUBSCRIBE to The Retirement Income Lab for weekly retirement income case studies

• COMMENT with your questions about IRA taxes, RMDs, or Roth conversions

LIKE. SHARE. SUBSCRIBE.

Give this video a thumbs up if you enjoyed watching.

#retirement #retirementplanning #retirementincome #IRA #401k #RMD #taxplanning #RothConversion #financialplanning #CFP #preTax #RothIRA #taxesinretirement #medicare #socialsecurity #VictoryIndependentPlanning #RetirementIncomeLab

Can you really retire at 62 with $1.5 million… and stay retired?

In this episode of The Retirement Income Lab with Patrick Huey, CFP®, we put a real‑world scenario under the microscope.

Our test couple, “Mark and Lisa,” are both 60, have saved $1.5M in their 401(k)s, IRAs, and brokerage accounts, and want to retire in just two years. They spend about $90,000 per year after taxes and are wondering the same thing you might be:

• Is $1.5 million enough to retire comfortably?

• What changes if we retire at 62 vs. 65?

• How do health insurance and Medicare affect our retirement date?

• What withdrawal rate is actually sustainable for a 30‑year retirement?

In this video, you’ll learn:

• How to estimate how much income you really need in retirement (after taxes).

• Why retiring at 62 usually means higher health insurance costs until Medicare at 65—and why that’s a big deal.

• How different withdrawal rates (3%, 4%, 4.5%+) impact a $1.5M portfolio.

• How Social Security timing (claiming at 62 vs. later) changes your retirement income picture.

• The risk of “sequence of returns” if markets drop early in retirement.

• Why working just a few more years can dramatically improve your odds of retiring confidently.

If you’re a high‑saving professional within about 5 years of retirement (or just into it), this kind of stress test is exactly what you should be doing before you pick a retirement date.👨‍💼

About The Retirement Income Lab

I’m Patrick Huey, CFP®, and owner of Victory Independent Planning. I work with high‑saving professionals nationwide who are close to or have recently retired, helping them turn their portfolios into paychecks they can actually live on.

🔎 Want to stress‑test your own retirement income plan? Schedule a VIP Retirement Income Lab Assessment:https://VictoryIndependentPlanning.com/contact

We’ll help you:

• Map your real after‑tax spending needs• Compare retiring at 62 vs. 65 (and beyond)

• Factor in health insurance costs before Medicare• Optimize Social Security timing

• Evaluate whether your savings are enough to retire and stay retired

⏱ Timestamps

00:00 – Can you retire at 62 with $1.5M?

01:05 – Meet Mark & Lisa: age 60, $1.5M saved

02:40 – How much income they really need (after tax)

04:00 – What different withdrawal rates look like on $1.5M0

5:00 – Scenario A: Retiring at 62 (and paying for health insurance)

08:10 – The cost of retiring before Medicare at 65

10:30 – Scenario B: Working to 65 and going straight onto Medicare

13:00 – Social Security timing and lifetime income

15:00 – Withdrawal rates, sequence risk, and confidence

17:30 – Key takeaways for anyone near $1.5M

18:30 – How to get your own Retirement Income Lab Assessment

LIKE. SHARE. SUBSCRIBE.

✅ If this video helped you:

• Hit LIKE to let the algorithm know it’s useful

• SUBSCRIBE to The Retirement Income Lab for weekly retirement income case studies

• COMMENT with your questions about retiring at 62, health insurance before 65, or withdrawal rates

Give this video a thumbs up if you enjoyed watching.

#retirement #retirementplanning #retireearly #retirementincome #financialplanning #CFP #retireat62 #401k #IRA #medicare #healthinsurance #socialsecurity #sequenceofreturns #withdrawalstrategy #VictoryIndependentPlanning #RetirementIncomeLab

Did you ever notice that saving for retirement and taking money out of your accounts in retirement feel like two completely different games? Most of Wall Street, the financial media, and even many advisors are still playing the first game.Welcome to The VIP Retirement Income Lab.In this channel, we’ll focus on the second game: how to turn your life’s savings into durable, tax‑aware, real‑world income that you can actually live on—without getting pushed around by the latest headline, hot stock tip, or screaming TV pundit.

In this short Episode 0, you’ll learn:• What “Retirement Income Lab” really means (and why I chose the word Lab on purpose).• The disconnect between how investing is usually taught and how real retirees actually use money.• How history, behavioral finance, and practical planning experience all come together in this show.• What you can expect from future episodes: simple frameworks, real examples, and repeatable processes you can apply to your own situation.Who is this channel for?• Pre‑retirees and retirees who want a clear retirement income plan, not just a big pile of investments.• Thoughtful investors who like stories—from history, markets, and real client experiences—more than they like jargon.• People who suspect that “just pick better funds” is not a retirement strategy.About meI’m Patrick Huey, CFP®, CAP®, armchair historian and financial planner. I’ve spent years helping real families navigate the transition from earning a paycheck to living off their portfolios, and I wrote “History Lessons for the Modern Investor” to help people avoid the same old mistakes, dressed up in new clothes.This Lab is my way of opening up that process so you can see how thoughtful retirement income planning actually works.Work with me 1:1If you’re looking for a guide—not just more information—and you’d like help building or stress‑testing your own retirement income plan, I do work with clients and am currently accepting new ones.You can reach me here:www.victoryindepednentplanning.com/contactNext steps• If this sounds like the kind of perspective you’ve been missing, hit Subscribe and turn on notifications so you don’t miss future episodes.• Like this video if you’d like more content on retirement income planning.• Drop a comment with one question you have about turning your savings into a paycheck in retirement—your questions will help shape future episodes.#retirementincome #retirementplanning #investing #history

Grounded planes. Exploding airships. And your retirement plan is caught in the middle.

In this episode of History Lessons for the Modern Investor, we connect two very different stories: Spirit Airlines shutting down overnight in 2026 and the 1937 Hindenburg disaster that turned the “future of travel” into a fireball in under a minute.

What do a budget airline and a hydrogen airship have to do with crypto, meme stocks, AI hype, and “can’t‑miss” investing strategies? More than you’d think.

We’ll look at why every era has its own Hindenburg: glossy marketing, big promises, and very little discussion of where the metaphorical hydrogen tanks are hiding in your portfolio.

⏱ Timestamps

00:00 – Intro: Spirit Airlines shuts down overnight

01:24 – What grounded flights teach us about fragile‑feeling markets

03:10 – Sponsor message – Victory Independent Planning

04:03 – History Lesson: The Hindenburg explodes (“Oh, the humanity!”)

06:18 – Hype, “can’t‑miss” tech, and thin margins for error

08:03 – Invisible risks: concentration, leverage, and opaque investments

09:40 – Crisis communication: pretending it’s fine vs. telling the truth

10:40 – Resilience, alternatives, and not swearing off investing

11:30 – Final thought: how to know what you’re really climbing aboard

In this video, you’ll learn:• Why Spirit’s collapse doesn’t mean air travel—or the whole economy—is finished• How the Hindenburg disaster mirrors modern investment bubbles and market hype• The real danger of building your portfolio around “can’t‑miss” technology or trends• How diversification lets you participate in innovation without betting it all on one story• Practical questions to ask before you board the next “future of everything” investment

If you like history, markets, and plain‑English investing advice, hit LIKE, SUBSCRIBE, and tap the bell so you don’t miss future episodes.

For more:• Visit Victory Independent Planning:

https://victoryindependentplanning.com

• Check out “History Lessons for the Modern Investor”• Listen to the History Lessons podcast on your favorite app

Your money deserves more than hype and hydrogen.

LIKE. SHARE. SUBSCRIBE. 👍#investing #history #SpiritAirlines #Hindenburg #AIstocks #crypto #memeStocks #financialplanning #retirementplanning

What does a Michael Jackson biopic have in common with a nuclear disaster at Chernobyl… and your retirement account?

More than you think.

In this episode of History Lessons for the Modern Investor, we use two very different stories—Hollywood trying to retell the life of the “King of Pop,” and the Chernobyl meltdown—to unpack real-world investing strategies you can actually use.

Here’s what you’ll learn:

🎬 Segment 1 – Michael Jackson Biopic & Today’s Market Hype. We start with the new Michael Jackson movie and the tension every studio exec feels:

🎬 Huge expectations, messy backstory, and fans ready to call it a masterpiece or disaster based on a trailer

🎬 How that mirrors the current stock market narrative: strong spending, big earnings, AI/tech leading again… plus higher gas prices, sticky inflation worries, and lagging bonds

🎬 Why treating one “great quarter” or one hot theme as the whole story is dangerous for long‑term investors

You’ll walk away with:• How to avoid chasing whatever sector or theme is getting all the hype• Why the “boring” parts of your portfolio are what actually hold the plot together• How to build an investing strategy that survives more than one market cycle’s soundtrack

☢️ Segment 2 – Chernobyl: Invisible Risks & Bad Financial Designs

Then we jump to April 26, 1986: the Chernobyl disaster. No charts, no scare tactics—just practical lessons:

☢️ The danger of “design risk”: plans that look fine on paper but are fragile in real life

☢️ How ignoring small warning signs can turn a manageable issue into a full‑blown crisis

☢️ Why incentives, hidden fees, and sugar‑coated advice can quietly sabotage your financial future

From Chernobyl, you’ll discover:• How to spot concentration and leverage risks in your own portfolio• Why it’s so important to get conflict‑free, transparent advice• How small, early corrections (rebalancing, updating your plan, fixing estate docs) beat emergency overhauls

Perfect for you if:

You’re a long‑term investor who wants practical strategies, not hype

You’re a pre‑retiree or retiree worried about market crashes, inflation, and “hidden” portfolio risks

You like learning about money through real history—not just dry theory

Timestamps:

00:42 – Michael biopic: high expectations, messy story…just like markets

01:42 – The danger of treating one quarter like the whole movie

02:45 – Building a full “cast” in your portfolio: growth, ballast, and real diversification

04:30 – Sponsor break: Victory Independent Planning (live well, do good)

04:34 – April 26, 1986: What actually happened at Chernobyl

06:14 – Invisible risks, bad designs, and ignoring early warning signs

07:42 – Lessons for your portfolio: design risk, incentives, and honest planning

10:25 – Why small early fixes beat crisis‑driven overhauls

11:49 – Stewardship: using capital wisely vs. pushing risk to the breaking point

12:40 – Final thought: building a plan that doesn’t rely on everything always going right

If you’re looking for:

Real‑world investing tips

Help protecting your portfolio from “meltdowns”

A calm, story‑driven take on markets, risk, and financial planning…hit play, then hit subscribe.👉 Like, share, and subscribe if you want more episodes that mix history, markets, and practical money advice.

#investing #investor #history #wealthmanagement #personalfinance #MichaelJackson #Chernobyl #marketvolatility #retirementplanning #HistoryLessonsForTheModernInvestor

Are your investments ready for the next “earthquake” in the markets? 🌊

📉In this episode of History Lessons for the Modern Investor, we connect two big stories—Japan’s recent earthquake and the Hubble Space Telescope—to show you how to invest through shocks, fix a blurry financial plan, and keep your long‑term goals in focus.What you’ll learn in this episode:

🌊 Segment 1 – Earthquakes, Inflation, and Market Volatility.

Start with Japan’s powerful offshore earthquake, tsunami warnings, and trains grinding to a halt—and then zoom out to what that feeling of sudden shock looks like in your portfolio.You’ll learn:•

🌍 How geopolitical risk, energy shocks, and housing weakness actually show up in the real economy•

📉 Why some scary headlines don’t mean the whole system is collapsing•

🏗 How to “earthquake‑proof” your investments with diversification, cash buffers, and bond ballast•

💡 The right way to respond to market tremors (and the big mistakes to avoid, like panic‑selling into a dip).

This is for you if you’ve ever asked:

“Should I move to cash when the news looks terrible?”

'Is my retirement plan safe if the economy wobbles?”

🔭 Segment 2 – Hubble’s Blurry Start and Fixing Your Financial Plan.

Next, we jump to April 24, 1990: NASA launches the Hubble Space Telescope… and the first images come back fuzzy. A tiny flaw in the mirror almost turned a multi‑billion‑dollar project into a failure—until engineers designed “contact lenses” in space and transformed Hubble into one of the greatest investing‑in‑the‑future bets of all time.

You’ll discover:•

🔍 Why even smart financial plans can launch with hidden flaws (too much risk, too much concentration, wrong assumptions)•

🛠 How to fix a blurry investing strategy with targeted course corrections instead of blowing everything up•

⏳ Why long‑term investing is like a Hubble time‑lapse: single years don’t tell the full story, but decades of good decisions do•

🧠 How to get above the “atmosphere” of daily news and see your money with clearer perspectivePerfect for:

• Long‑term investors worried about market crashes and recessions

• Pre‑retirees and retirees who want their portfolios to survive shocks

• Anyone who feels like their financial plan might be “out of focus” and needs a simple framework to adjust.

Timestamps:00:00 – Intro: Why earthquakes and space telescopes belong in a money podcast

01:05 – Japan quake: what real shocks feel like in the real world

03:20 – How market “tremors” show up in production, inflation, and housing

06:10 – Building an earthquake‑resistant portfolio (without hiding in cash)

09:00 – Hubble launches: the expensive telescope that saw…blobs

11:05 – The tiny flaw that almost ruined Hubble—and how NASA fixed it

If you’re looking for:

• Practical strategies to protect your investments in volatile markets

• Real‑world lessons from history (not just abstract theory)

• A calm, data‑driven voice in a loud, clickbait investing world…hit play, then hit subscribe.

👉 Don’t forget to like this video, subscribe to the channel, and share it with someone who checks their portfolio every time the ground shakes—or the headlines do.

#investing #marketvolatility #wealthmanagement #personalfinance #inflation #retirementplanning #Hubble #earthquake #riskmanagement #HistoryLessonsForTheModernInvestor

Did you know there are quiet little rule changes already in place for 2026 that could cost you real money over a 20–30 year retirement—or quietly save you a bundle—depending on how you plan?

In this HL4TMI Special Report, I walk through three changes that affect how you save, invest, and take money out in retirement starting in 2026. These aren’t headlines for tax nerds; they’re levers you can pull to lower your lifetime tax bill and gain more control over your income.

In this video, you’ll learn:

💰How “Roth‑only” catch‑up contributions for higher‑earning workers age 50+ will shift when you pay tax, and what that means for your paycheck and future Required Minimum Distributions (RMDs).

💰Why a higher SALT (state and local tax) deduction cap makes the timing of Roth conversions, capital gains, and charitable giving more important than ever—especially if you live in a high‑tax state.

💰How a new senior deduction quietly widens your “low‑tax runway,” creating room for smarter IRA withdrawals, partial Roth conversions, and portfolio rebalancing without jumping brackets.

💰The key questions to ask right now about your savings buckets (pre‑tax, Roth, and taxable), your state taxes, and your retirement income plan, so you’re not leaving money on the table.

If your current advisor hasn’t walked you through how these 2026 changes affect where your next dollar of savings goes—or the order in which you’ll tap accounts in retirement—you may have investment management, but you don’t have advanced planning.

I’m Patrick Huey, CFP®, owner of Victory Independent Planning and host of History Lessons for the Modern Investor.

If you’re 50+ and want to see how these specific rules apply to you, schedule a call:

Website: https://victoryindependentplanning.com/contact

Phone: (877) 234-8957.

We’ll map how these changes interact with your income, your state taxes, and your age so you can answer a simple question:

Am I on the right track, or am I leaving real money on the table?

tax changes in 2026, retirement income planning, tax planning for retirees, Roth catch‑up contributions, SALT deduction cap, senior tax deduction, Roth conversions, sources of retirement income, Patrick Huey CFP, History Lessons for the Modern Investor, Victory Independent Planning

#investing #investor #history #retirement #taxes #RothIRA #financialplanning

Episode Description:

This episode pairs two “traditions unlike any other” – The Masters and Jackie Robinson Day – to ask a simple question:

How do you keep playing your long game when the course, the crowd, and the numbers all make you nervous?

⛳ First Word – The Masters & Markets Climbing a Wall of Worry.

We start at Augusta: perfect fairways, swirling winds, and golfers trying to survive Amen Corner without blowing up their scorecard.

It’s the perfect metaphor for today’s markets:

-Inflation gusts that bite into paychecks-Growth revised down from “booming” to “just okay”

-A market that used to be all about a few superstar stocks… now finally broadening out

-We talk about why markets so often rise while headlines scream “danger,” and how to build a portfolio that plays the full 72 holes instead of reacting to every bad lie.

⚾ History Lessons – April 15, 1947: Jackie Robinson Steps Onto the Field.

Then we head to Ebbets Field, where Jackie Robinson breaks baseball’s color barrier and completely changes the game:

-Crossing a line that had been closed for decades

-Taking incredible heat without changing his approach

-Winning not with one dramatic season, but with years of consistent performance

From Jackie’s debut, we pull out lessons for investors about:

-Stepping onto fields (like the stock market) that feel uncomfortable at first

-Sticking to your swing when the “crowd” is yelling at you to do something crazy

-Broadening your financial “roster” so more than one star name can carry the plan-Building a legacy that outlasts your own career.

If you like your market commentary with a side of azaleas and baseball history—and you want your money strategy to survive both bad bounces and noisy crowds—this episode is for you.

#Investing #WealthManagement #BehavioralFinance #TheMasters #JackieRobinson #MarketVolatility #HistoryLessonsForTheModernInvestor #LongTermThinking #rorymcilroy