Wealth Beyond Work

Planning for the future involves more than finances - it also means thinking ahead about how and where you want to live as you age. In this episode, Zach Morris sits down with Bridgett Skelton from Skelton Care Management in Atlanta to discuss how families can approach aging and long-term care decisions before a crisis forces the conversation.

From aging in place and assisted living to advance directives and care management, Bridgett shares practical considerations for navigating these important choices. Whether you're planning for your own future or helping aging parents, this conversation offers thoughtful insights to help your family prepare with greater clarity and confidence.

Connect with Bridgett Skelton: https://skeltoncmc.com/

Work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Asking a financial advisor, "Are you a fiduciary?" sounds like a smart way to protect yourself—but the answer may not tell you nearly as much as you think. In this episode of Wealth Beyond Work, we explain why some advisors can truthfully call themselves fiduciaries while still earning commissions from certain recommendations. We break down the differences between fee-only advisors, broker-dealers, and insurance professionals, including how each may be compensated and where potential conflicts of interest can arise.

We also examine why titles and credentials don't always reveal how someone operates—and why an annuity recommendation paying a substantial upfront commission deserves more scrutiny than a simple yes-or-no fiduciary question provides. Before hiring an advisor or purchasing a financial product, you need to understand who they work for, how they get paid, and whether they are required to act in your best interest throughout the entire relationship. You'll leave with practical questions you can ask to better evaluate any financial professional before trusting them with your retirement.

Work with us: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Jack Metzger returns to the podcast to revisit one of our most popular topics: artificial intelligence. Since our last conversation, AI has continued to evolve rapidly, bringing new tools, capabilities, and questions about where the technology is headed.

Zach Morris and Jack catch up on the latest developments and break down what they mean in approachable terms—from the rise of AI agents and increasingly capable models to the resources required to power them.

They also explore open-source AI, regulation, energy demands, and what could shape the next chapter of AI.

Work with us: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Cybersecurity expert Robert Siciliano joins Zach Morris to explore why today's biggest financial risk isn't always market volatility - it's deception. From AI-powered scams and voice cloning to phishing, "pig butchering," and digital fraud, Robert explains how criminals exploit human psychology to target even the most informed investors.

Whether you're protecting your retirement savings, helping aging parents safeguard their finances, or simply looking to stay one step ahead of today's evolving scams, this conversation offers practical insights to help you make more confident, informed decisions.

Connect with Robert Siciliano: https://protectnowllc.com/

Work with us: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Estate attorney Ritesh Patel of Cohen Pollock Merlin & Turner joins host Zach Morris to explain what really happens during probate - and why understanding the process can help families avoid costly mistakes.

They break down the executor's role, common causes of probate delays, strategies to minimize complications, and when trusts, beneficiary designations, or joint ownership may (or may not) make sense. Ritesh also shares practical insights on protecting heirs, avoiding unintended estate planning consequences, tax considerations after a loved one's passing, and why online estate planning tools and AI-generated legal guidance can create more problems than they solve.

Connect With Ritesh Email /// Website Phone: 770-857-4812

Download "Retirement By Design": https://bit.ly/RetirmentByDesignCRT

Learn About Paces Ferry Wealth Advisors: https://bit.ly/AboutUsct

Most families know they should talk about inheritance, but very few actually do. In this episode, Zach Morris sits down with Emily Bouchard of Bouchard Bespoke Consulting to explore why conversations about wealth, legacy, and family values are so often avoided, and what happens when silence fills the gaps. Emily shares practical strategies for discussing inheritance without creating entitlement, building financial competency across generations, and passing along values, not just assets.

'Whether you're creating an estate plan or thinking about your family's long-term legacy, this conversation offers thoughtful insights to help strengthen trust, communication, and connection.

Contact Emily Bouchard: https://emilybouchard.com/

Work with us: https://info.pacesferrywealth.com/learn-about-us

Download Retirement By Design: https://www.wealthbeyondwork.com/retirement

Are you planning to retire with a pension and want to make the most of it? Knowing how to optimize your retirement benefits is crucial, and this episode breaks down everything you should consider before making key decisions. Retirement planning goes beyond receiving monthly checks; it's about ensuring stability, flexibility, and financial freedom.

We'll explore the history of pensions and why retirees today are part of a rare group with access to them. The episode explains the pros and cons of taking a lump sum versus monthly annuity payments and offers actionable tips to help you choose the option that fits your financial goals. You'll also learn how survivor benefits can provide security for your loved ones and how to bridge income gaps if you retire before your pension or Social Security starts.

Most people spend years planning financially for retirement - but what if your health becomes the limiting factor?

In this episode, Zach Morris sits down with Dr. Hillary Lin to explore the science of longevity, biological aging, stress, nutrition, and preventive medicine. Dr. Lin is the CEO and Founder of Care Core and the host of The Longevity Show podcast. They discuss the key biomarkers that matter most, why purpose and relationships can influence lifespan, and the practical habits that help people stay active, independent, and healthy for decades. If you want to maximize both your wealth and your health, this conversation offers a roadmap for building a longer, stronger, and more fulfilling retirement.

In this episode, Zach Morris breaks down some of the most common retirement and financial planning questions people quietly wonder about for years — from how much money you actually need to retire to when to claim Social Security, Roth conversions, portfolio risk, withdrawal strategies, and more. Rather than focusing on one-size-fits-all answers, this conversation explores how taxes, spending, investing, healthcare, and lifestyle decisions all work together in retirement planning. If you want more clarity and flexibility heading into retirement, this episode provides a practical framework for thinking through the decisions that matter most.

Work with us: https://info.pacesferrywealth.com/learn-about-us

Send in questions for Q&A Episodes: [email protected]

Planning for a loved one with special needs goes far beyond setting money aside. In this episode, Zach Morris sits down with Adam Earl of National Care Advisors to break down how special needs trusts work - and what can go wrong if they're not structured properly.

They explore how to protect access to critical public benefits, the true lifetime cost of care, and why trustees need more than good intentions. This conversation highlights the hidden complexities families often overlook and how thoughtful planning can make a lasting difference in care and quality of life.

Contact National Care Advisors: (800) 652-7404

Email our guest Adam Earl: [email protected]

Download "Retirement By Design": https://info.pacesferrywealth.com/wbw

Learn about Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us