Your Retirement Elevated Podcast with Scott Dougan

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How can naming your spouse as beneficiary create unintentional tax problems? Most people assume naming their spouse as the IRA beneficiary is the safest and simplest option, but Scott explains why that isn’t always true. In this episode, he walks through several real-life situations where choosing a spouse can unintentionally (and negatively) impact taxes, fuel family conflict, or even jeopardize government benefits. 

Here’s what we cover in this episode:

💰 When They Already Have Enough: why extra inherited assets may create tax headaches

🛡️ Scam Protection: safeguarding vulnerable spouses from exploitation

💍 Remarriage Risks: preventing assets from accidentally going to a future spouse

👨‍👩‍👧 Blended Family Concerns: avoiding accidentally disinheriting your children

♿ Special Needs Situations: protecting government benefits with the right trust

Watch Scott’s videos to Protecting Yourself from Scams:

Beware of the Pig Butchering Financial Scam

https://www.youtube.com/watch?v=_PrGluJvaJE 

Am I At Risk of Having My Identity Stolen or Being A Victim of Fraud?

https://www.youtube.com/watch?v=W0MDdVGbBbg 

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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Most advisors are well-intentioned, but not all advisors are the right advisor for you. Scott breaks down the warning signs that often get overlooked when choosing—or staying with—a financial advisor. This conversation uncovers the habits, behaviors, and patterns that separate real planners from product-pushers and pretenders. It’s a straightforward guide designed to help you protect your money, trust your advisor, and feel confident in your long-term plan. And by the end, you’ll know the red flag most people miss until it’s far too late.

Here’s what we cover in this episode:

🔄 The Job Hopper: advisors who bounce from firm to firm

📦 One-Size-Fits-All Planning: when every client gets the same solution

💼 Always in Sales Mode: constant pitching instead of real planning

❓ No Information Gathering: watch out when advisors make recommendations without learning your goals

📵 Radio Silence: advisors who disappear after the paperwork is signed

🎬 Clickbait gurus: solo advisors with no support team

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

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💼 Want expert help in planning for your financial future?

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Thanksgiving has a much deeper story than the modern traditions we celebrate today. In this episode, Scott details how the holiday formed, who helped shape it, and why its meaning has shifted over time. It’s a reminder that gratitude, community, and shared purpose run through the heart of Thanksgiving, even as the holiday continues evolving.

Here’s what we cover in this episode:

🦃 Origins of Thanksgiving: how the holiday’s earliest traditions came together

📜 Sarah Josepha Hale & Lincoln: the unlikely duo who helped formalize the holiday

🏠 Modern Meaning: how Thanksgiving became what it is today

💰 Compensation Transparency: addressing conflicts of interest clearly and openly

🙏 Gratitude as Practice: why Thanksgiving still matters far beyond its historical roots

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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For decades, retirees have based their spending on a simple idea: “The 4% Rule.” But new research, and even the rule’s original creator, suggests you may be able to spend significantly more without increasing your risk. Scott shares what’s changed, what still matters, and how to customize your safe withdrawal rate based on your goals, tax situation, and lifestyle.

Here’s what we cover in this episode:

📜 Where It Started: the true history of the 4% rule

⚙️ What Changes the Math: market assumptions, inflation, and personal factors

🧩 Custom Strategies: why withdrawal rates must be tailored

🏛️ Legacy Decisions: how your goals shape your spending rate

🧭 Your Responsibility: modern retirement requires active planning

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

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Retirement, as we know it, is a modern invention. But the very system designed to protect your future might now be holding you back. In this episode, Scott uncovers a powerful yet often hidden feature inside many 401(k) plans that can give you greater control, flexibility, and professional management, without moving a single dollar out of your account. Discover how unlocking it could completely change your retirement strategy.

Here’s what we cover in this episode:

🏛️ Retirement History: how saving for retirement has evolved

🏦 From Pensions to 401(k)s: shifting responsibility to individuals

⚠️ 401(k) Limitations: why most plans restrict your options

🔍 Hidden Feature: Discovering the Self-Directed Brokerage Accounts (SDBA)

🧾 Smart Oversight: how to manage an SDBA effectively

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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When it comes to investing for retirement, not all dollars belong in the same place, or even in the same world. In this episode, Scott explains the concept of the Three Investment Worlds: Protection & Savings, Growth & Potential, and the Hybrid space that bridges the two. By the end, you’ll better understand how to position your money across these worlds based on your goals, timeline, and risk tolerance.

Here’s what we cover in this episode:

💵  Protection & Savings: safety-first options like banks, treasuries, and fixed annuities

📈  Potential & Investments: market-based assets offering higher returns with more risk

🌉 Bridge Between Protection & Potential: hybrid and indexed annuities that balance safety with growth

🧩 Customizing Retirement Plans: blending the three worlds to match your goals and comfort level

🚀 Increasing Potential: how to seek higher returns through calculated risk and longer timeframes

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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You’ve worked hard to build up your Roth IRA, but one small mistake could turn “tax-free” income into a tax surprise. In this episode, Scott walks through the five essential steps to make sure your Roth IRA withdrawals remain completely tax and penalty-free. Follow the rules, track your timelines, and your Roth can become one of the most powerful tax-free tools in retirement.

Here’s what we cover in this episode:

💡 Tax-Free Roth Rules: understanding how Roth IRA withdrawals really work

🔄 Aggregation Rule: how the IRS treats all Roth accounts as one

💰 Withdrawals & Penalties: what you can access penalty-free and when conversions get tricky

⏳ The Five-Year Rule: why timing determines whether earnings stay tax-free

🧾 Tax Planning Tips: coordinating Roth withdrawals with your overall strategy

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

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This October, the Social Security Administration is expected to announce a 2.7% cost of living adjustment for 2026 now that sounds like good news, until you see what it really means in dollars and cents. Today, Scott breaks down what the new Cost of Living Adjustment (COLA) really means for you, and why rising Medicare premiums, taxes, and inflation can easily cancel out your “raise.”  

Here’s what we cover in this episode:

💵 The Real Raise: average benefit increase is only about $54 a month

🏥 Medicare Impact: higher premiums can erase much of that gain

💰 Smart Retirees Plan Ahead: strategies for what you can do right now

🧾 Check Your Estimate: review benefits on SSA.gov and update your plan

🤝 Take a Team Approach: financial + tax + healthcare planning under one roof

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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💼 Want expert help in planning for your financial future?

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A groundbreaking JP Morgan study just revealed something that could completely change the way we plan for retirement. Scott breaks down three of the biggest surprises revealed by new data from 280,000 households, showing that retirement spending doesn’t rise in a straight line, but bends, dips, and shifts over time. Planning for real life and ditching the outdated assumptions will help you create more freedom and confidence in retirement.

Three New Spending Surprises, JP Morgan 2025 Study: https://listentoscott.com/wp-content/uploads/2025/10/Retirement-Spending-Suprises-JP-Morgan-2025.pdf 

Here’s what we cover in this episode:

📊 New Data Drop: JP Morgan’s study on 280,000 households

💸 Spending Curve: Why expenses rise, fall, and shift with age

⚖️ Inflation Myth: Real spending grows slower than expected

🔁 Partial Retirement: How working longer affects spending

💰 Smart Strategy: Buckets, cash reserves, and liquidity for curveballs

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

#retirement #retirementplanning

💼 Want expert help in planning for your financial future?

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Do you know which parts of your retirement plan are in your control, and which ones you’re leaving to chance? In this episode, Scott breaks down the “retirement equation,” a framework that helps you separate what you can control, what you can influence, and what’s completely out of your hands.

Here’s what we cover in this episode:

➗ What the “retirement equation” really means

📊 Asset allocation & location, how to get them right

🕰️ The role of work duration and phasing into retirement

🏃‍♂️ Longevity: what you can and can’t influence

📉 Market returns and tax laws: why they’re outside your control

📞 Call us: 913-393-4724

🌐 Visit our podcast website:  https://listentoscott.com/

📚🛠️ Check out Scott's book, Exceptional Retirement, and Retirement Toolkit

Download here 👉 https://keap.page/bu413/exceptional-retirement-youtube.html

🎥 Subscribe to our YouTube channel for more retirement insights!

🔔 http://youtube.com/@erg-kc?sub_confirmation=1 

📰 Read our latest articles on Kiplinger:

https://www.kiplinger.com/author/scott-m-dougan-rfc-investment-adviser 

📌 Follow us for expert retirement planning tips!

https://www.facebook.com/elevatedretirementgroupkc/ 

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