What if you could transform your retirement planning from overwhelming to effortless?

In this episode, April Schoen walks FRS members through the most important decisions and strategies for making retirement planning easy, secure, and tailored to your life.

You’ll discover…

• The 4 freedoms you must consider before choosing your retirement date
• A shocking pension option detail most retirees miss
• How timing your DROP payout could save you thousands in taxes
• The Social Security strategy that may boost your lifetime income
• Two costly pitfalls that can trip up even the most prepared retirees

Discover the strategies that can help you keep more of your money in retirement and avoid the most common tax pitfalls.

In this episode, April Schoen reveals how smart tax planning can dramatically impact your future income and financial freedom after you stop working.

You’ll discover…

• Why many retirees end up in higher tax brackets than they ever expected
• The “three buckets” framework for easily understanding your tax exposure
• How your mix of assets can make or break your income in retirement
• The hidden risk of required minimum distributions—and how to prepare for them
• A simple shift that could save you thousands in taxes and Medicare premiums

In this episode, April Schoen breaks down the crucial Social Security decisions every retiree faces—and reveals the game-changing strategies to maximize your benefits.

You’ll discover…

• Why your Social Security “full retirement age” is more important than you think
• The surprising trade-offs between claiming benefits at 62, 67, and 70
• How working in retirement could shrink—or boost—your Social Security checks
• Overlooked spousal and survivor benefits that could change your income story
• What looming Social Security changes in 2034 could mean for your retirement

In this episode, April Schoen, financial advisor at Curry Schoen Financial, unpacks the five signs that you’re ready for the next step in your financial journey—and reveals how mindset shifts, clear strategies, and intentional planning can help you enjoy the wealth you’re building.

You’ll discover…

• The one habit that quietly erodes your financial progress even as your income rises
• Why saving more doesn’t always mean moving closer to your goals
• The surprising reason you still feel financially “behind” despite doing everything right
• How to banish decision fatigue in a world overflowing with financial advice
• The single question that changes everything about your money strategy

Discover the secrets to resilience, clarity, and action when financial uncertainty strikes—without feeling overwhelmed or lost.

In this episode, April Schoen walks you through the essential steps to weather any financial storm, blending real-world advice, proven frameworks, and a calming approach—even when life throws unexpected curveballs.

You’ll discover…

• Why “financial storms” aren’t just market crashes—and how to spot their earliest warning signs
• The real reason most people struggle financially (it’s not bad decisions)
• How to build an emergency fund that works for your unique situation—not just a generic rule of thumb
• When sticking to your investment strategy is the right move—and when it’s time to make tweaks
• The step-by-step financial “hurricane prep kit” you need before a crisis ever hits

In this episode, April Schoen helps you design a roadmap for the life you want—with clarity, confidence, and purpose—so your retirement isn’t just financially sound, but genuinely fulfilling.

You’ll discover…

• Why financial security alone won’t guarantee a happy retirement
• The one mistake that leaves many retirees feeling lost, even with a solid nest egg
• How to uncover your hidden vision for life after work (and why it might surprise you)
• What most people get wrong about post-retirement spending—and the three phases you must consider
• The proven framework to align your money with your dream lifestyle (and avoid regret)

But what happens when you’re faced with a maze of options, perplexing pension choices, and high-stakes decisions that keep you up at night?

In this episode, John and April unravel the complexities of retirement planning for Florida Retirement System (FRS) members—making it clearer, simpler, and surprisingly fun.

You’ll discover…

• The story of two retirement decisions in one family—and how one choice changed everything for decades.
• Why DROP and pension options aren’t as “set and forget” as most people think.
• The shockingly common mistake that could cost retirees thousands in unnecessary taxes.
• How timing your Social Security and coordinating benefits could radically increase your income for life.
• The overlooked risk of forced withdrawals and how to keep your retirement savings working for you.

In this episode, April Schoen unravels the surprisingly complex world of taxes in retirement and reveals actionable strategies for tax-efficient retirement planning.

You’ll discover…

• A common retirement tax mistake that could cost you thousands
• Why your retirement income might be higher—and more taxable—than you expect
• Three critical types of investment accounts and how they each impact your future tax bill
• The power of Roth IRAs and cash value life insurance as overlooked tax planning tools
• What one simple analogy can teach you about planning for a tax-smart retirement

But what if you had expert guides to help secure your financial future?

In this episode, John Curry and April Schoen explore the vital aspects of Social Security retirement benefits, offering insights on how to maximize them for a secure retirement amidst the backdrop of economic uncertainties.

In this episode, you’ll discover…

• The impact of demographic shifts on the sustainability of Social Security
• Strategies to maximize your Social Security benefits based on timing and work history
• How to navigate spousal and survivor benefits effectively
• The realistic concerns around the future of Social Security funding
• Essential factors to consider when planning your retirement income strategy

In this episode, John Curry and April Schoen dive deep into the transformative power of whole life insurance and reveal how it can be an essential financial tool for building and safeguarding wealth.

You’ll discover…

• Why most people, including sellers, misunderstand life insurance.
• The surprising ways whole life insurance can benefit you while you're living.
• How life insurance can provide a “permission slip” to spend your savings.
• Insights on leveraging whole life insurance for asset protection and financial planning.
• Real-life examples of life insurance transforming retirement strategies.

What are the key financial risks and how can you safeguard your future?

In this episode, hosts April Schoen and John Curry unravel the top five financial risks in retirement, and share insights on how to effectively manage and reduce them for a secure future.

You’ll discover:

• The surprising impact longevity can have on your financial security.
• Why traditional financial planning may not be enough for your retirement.
• How market volatility could be a hidden danger in your golden years.
• The role of taxes in your retirement income and how to plan wisely.
• Essential questions to ask yourself as you prepare for retirement.

In this episode, April Schoen guides you through crucial strategies to financially prepare for unexpected retirement events.

In this episode, you’ll discover:

• The real-life impact of health-related surprises and how to plan for them.
• Why diversifying income sources is essential for retirement stability.
• How to leverage whole life insurance for financial flexibility.
• Strategies to handle family and life changes without derailing your financial plans.
• The importance of estate planning in securing your financial future.

In this essential episode, April Schoen dives deep into tax strategies specifically designed for Florida Retirement System (FRS) members. Discover how expert tax planning could unlock more wealth and flexibility than you ever imagined for your retirement.

You’ll discover:

• Why tax planning is the key to more after-tax income in your retirement.
• How different types of accounts—tax-deferred, taxable, and tax-free—impact your taxes.
• Real-life case studies showing the transformative power of Roth conversions.
• The surprising impact of Medicare premiums and how your income influences them.
• Secrets to leveraging cash value life insurance for tax-free withdrawals and loans.

In this episode, you’ll discover…

• The pivotal role of the SMART framework in financial planning
• Unique strategies for building a robust emergency fund
• Methods to maximize your retirement contributions effectively
• Insights into tackling high-interest debt with precision
• Practical tips for creating a balanced investment portfolio

In this episode, April Schoen breaks down the intricacies of DROP, The Deferred Retirement Option Program, and its latest updates impacting your financial future.

In this episode, you’ll discover…

• The enticing benefits that make the DROP program a game-changer.
• Key eligibility changes in 2023 that could affect your retirement timeline.
• Various pension options within DROP and how they cater to different retirement goals.
• The significant pros and cons that you'll need to weigh before opting for DROP.
• Strategic ways to manage your DROP payout to maximize retirement benefits and minimize taxes.

In this episode, John Curry and April Schoen, tackle the common questions and misconceptions about the Florida Retirement System (FRS) that many employees face.

You’ll discover…

• A surprising truth about why some employees might opt for the Investment Plan over the Pension Plan.
• The critical differences in vesting periods that could impact your retirement plans.
• Why understanding pension options is pivotal to avoid costly consequences.
• Essential steps for coordinating your pension, Social Security, and other financial resources.
• How to navigate the complexities of the DROP program for a more powerful retirement strategy.

In this episode, John and April uncover the holistic approach to retirement planning that goes far beyond financial savings.

You’ll discover…

• Why retirement planning involves much more than just accumulating wealth
• Four essential areas to focus on for a balanced retirement
• How to identify your personal retirement needs and goals
• A unique approach that differentiates Curry Schoen Financial from other advisors
• The most common yet overlooked expenses you need to prepare for

In this episode, April Schoen, dives into the intricacies of Social Security, outlining strategies to ensure your golden years are actually golden.

You’ll discover…

• How to determine if you and your spouse qualify for Social Security benefits.
• Various timing strategies for claiming your benefits to maximize your income.
• The critical differences between spousal and survivor benefits.
• How your work history and earnings impact your Social Security payments.
• The often-overlooked tax implications of taking Social Security benefits.

In this episode, April Schoen dives deep into various strategies to maximize your retirement income and ensure financial stability.

You’ll discover…

• The key factors influencing the timing and strategy of claiming Social Security benefits.
• Different pension options and the impact of your choices on long-term financial health.
• Strategies to transform your retirement investments into a reliable income stream.
• The pros and cons of annuities and how they could fit into your financial plan.
• The significance of asset allocation and diversification for risk management and stable returns.

In this episode, Erika Bell, owner of Organize with E, shares her expertise on how to effectively manage paperwork, digitize documents, and communicate crucial information to loved ones.

In this episode, you'll discover…

• A surprising tip for conquering the overwhelming feeling of paperwork buildup
• The key to creating a personalized organizational system that works for your unique habits
• A simple rule to prevent clutter from taking over your life
• The critical conversations you need to have with family about important documents
• The one thing you must do to ensure your loved ones can access vital information when needed

In this episode, April Schoen and Matthew Wallat share their insights on creating a comprehensive retirement plan to avoid common pitfalls and ensure a worry-free retirement.

In this episode, you'll discover…

• The surprising similarity between an adventurous trip and retirement planning
• The crucial step that brings relief and excitement to clients nearing retirement
• How to adjust your investment strategy as you approach your golden years
• The key to unlocking a successful retirement through systematic saving
• The often-overlooked aspects of retirement planning that could derail your dreams

In this episode, John Curry and April Schoen unravel the complexities of retirement planning for FRS members and beyond. Get insights into making informed and strategic decisions that ensure peace and stability in your golden years.

In this episode, you’ll discover...

• How to create a clear vision for your retirement using a powerful jigsaw puzzle analogy.
• The vital role of Social Security timing in maximizing your benefits.
• Key considerations and strategies for Medicare selection and supplemental policies.
• The secrets to maintaining engagement and purpose to avoid isolation in retirement.
• Tax planning techniques that could save you from future financial headaches.

In this episode, April Schoen delves deep into how to construct a bulletproof retirement framework aimed at ensuring you won't outlive your money.

In this episode, you’ll discover…

• The critical element you might be missing in your retirement spending plan. 
• How to identify potential income gaps before it’s too late.
• The role of regular reviews and adjustments in a dynamic retirement plan.
• Why a retirement rehearsal could be the key to your financial success.
• Actionable steps to define your retirement goals and build a sustainable plan.

They’ll cover:

• Why the decision of when to take Social Security is critical and how it affects your and your spouse's financial security throughout retirement
• The implications of early or delayed benefits
• Potential changes to Social Security and common misconceptions about the impact of legislative adjustments on future benefits
• Tailored strategies to maximize your Social Security benefits based on individual circumstances, including considerations for health status, income needs, and marital history
• And more

We’ll cover:

• Understanding the crucial role of life insurance in financial planning and how it fits into your overall strategy.
• How real clients have used life insurance to secure their financial future, protect their families, and plan for retirement.
• The difference between term and permanent life insurance.
• Strategies for tailoring life insurance to meet your unique needs and circumstances throughout different phases of life.
• Insights on using life insurance to enhance retirement planning, spend down assets wisely, and ensure a lasting legacy.
• And more

Listen to learn:

• The top five financial risks individuals face in retirement
• The problem with traditional retirement planning methods
• Effective strategies to mitigate risks associated with market volatility, inflation, taxes, healthcare costs, and longevity
• How to build a balanced financial structure
• And more

In this episode, we’ll dive deep into understanding inflation and its impact on your retirement dreams.

• Unpack the essentials of inflation and its direct impact on your retirement savings.
• Discover historical perspectives on inflation to better understand its cyclical nature.
• Explore strategic ways to combat inflation, from guaranteed income streams to growth assets.
• Gain insights into personalized inflation rates and how to calculate yours for precise retirement planning.

Ready to secure your retirement against the eroding effects of inflation? Join April Schoen for invaluable insights and strategies on the Secure Retirement podcast. Available now on Spotify and Apple Podcasts.

Join me, your guide in the maze of retirement planning, as I illuminate the often puzzling world of Social Security. From timing your benefits to understanding the system's history and strategizing for maximum returns, I offer a wealth of knowledge to help secure your financial future.

• Discover when to ideally start your Social Security benefits to maximize your retirement income.
• Dive into the fascinating history of Social Security with the story of Ida May Fuller, the first recipient.
• Learn about the critical role of work credits and average indexed monthly earnings in determining your Social Security benefits.
• Understand the unique strategies couples can employ to boost their combined Social Security benefits.
• Hear real-life stories of retirees who navigated Social Security decisions to enhance their financial stability.
• And more

Ready to master the art of Social Security for a fulfilling and financially secure retirement? Tune in to the full episode for invaluable insights and strategies. Subscribe on Spotify, Apple Podcasts, or simply hit play on the player above to start listening now.

In this podcast, we show you how to prepare for a financial crisis, with actionable steps that allow you to face whatever comes your way.

We’ll cover:

• The essential elements of financial resilience
• The early warning signs of a financial crisis
• Creating a comprehensive financial plan
• Emergency fund essentials
• Protecting your investments and retirement accounts
• And more

In this edition of Ask April, I will help you launch your financial year and set you on a path toward your goals.

I’ll cover:

• Setting your financial aspirations for 2024
• Building this year’s spending plan
• Debt paydown strategies
• Why your investments should align with your dreams
• And more

In this edition of Ask April, I share a year-end checklist to help you start the new year on track toward your financial goals.

I’ll cover:

• Why is an end-of-year financial review important?
• Setting goals for the next 3 years
• Assessing your spending plan
• Evaluating your investments
• Building a financial safety net
• And more

If you’re preparing for retirement, chances are these questions have been swirling around your head…

In this episode, guest host Steve Gordon asks us the most common questions about the Florida Retirement System.

With decades of combined expertise, we have helped countless people answer these questions and plan for secure retirements.

We cover:

• Is there a “magic number” to save for retirement?
• Recent changes to DROP
• Choosing a pension option
• The “retirement rehearsal”
• Inflation
• And more

Many people are wondering if we’re headed for a recession—and what they can do to prepare if we are.

The good news is that even if we face economic uncertainty, it won’t be anything new…

In this episode, we cover what past economic crises can teach us about how to weather difficult economic times.

We get this question all the time…

In this episode, April will cover the basics of saving for retirement, including:

• Savings goals for different stages of life
• A helpful rule of thumb
• Saving in the right places
• How to make saving systematic
• And more

This episode marks the first edition of “Ask April,” a new segment in which April will answer the most common financial questions from clients, share practical advice, and help listeners become aligned with their financial goals and dreams. 

Whether you’re starting out on your financial journey or looking to fine tune your existing strategies, April is here to help.

In this episode, we feature a recording of John’s inspiring Rotary talk, “Sweetheart, It’s Just Your Leg, Not Your Life.”

John tells his incredible story of overcoming adversity after his amputation and shares his wisdom on:

• How to plan for unplanned life events
• Building support groups
• Creating an unbeatable mindset to get through anything
• And more

It turns out that not much has changed in fifty years—people then and now share the desire to build a secure financial future for themselves and their families.

John has seen thousands of clients’ stories unfold, and today he’ll share that wealth of experience with you.

He’ll cover:

• What he’s learned about understanding clients’ unique needs and goals
• The importance of planning for mortality
• Helping clients get through tough times
• Getting confidence and clarity around a financial decision 
• How to balance short-term and long-term goals
• And more

It’s our intention to share our knowledge on the world of financial planning so we can help others, and this next phase of the podcast will be focused on doing just that.

In this episode, we’ll let you know what to expect from the show going forward and get new listeners up to speed on who we are and what we do.

We’ll also tackle the question on everyone’s minds: “What’s happening with the economy?”—and share how you can make a plan for when times get tough.

What does this mean for you and your retirement?

In this episode, we cover the most important changes from the SECURE Act 2.0 that you need to be aware of.

These changes include:

• Age for required minimum distributions
• Effects on retirement accounts
• Automatic enrollment
• Treatment of student loan payments
• Distributions from 529 plans to Roth IRAs
• And more

With the right planning, you can create your own secure retirement…

That means having the money for the life you want…

But traditional planning doesn’t work for retirement…

Wealth distribution is very different from wealth accumulation…

In this podcast, we show you how to prepare for the top 5 financial risks in retirement and achieve financial balance.

But as you reach retirement age, you’ll need to make decisions about Medicare.

We all need to cover healthcare costs as we get older—there’s no avoiding it.

In this webinar, we’ll cover everything you need to know to get started with Medicare planning so you can prepare for a secure retirement. 

We’ll answer common questions about Medicare, such as:

• What does Medicare cover?
• When & how do I enroll in Medicare?
• Which Medicare option is best for me?
• What is a special enrollment period?
• And more

But taxes have a significant impact on your finances in retirement.

The good news is that there are proven strategies to optimize your income so you can minimize your taxes.

In this podcast, we’ll show you how tax diversification can help you build a secure retirement.

Listen to learn:

• How tax rates will change in the future
• Why it’s a myth that you’ll have less income in retirement
• How different types of investments are taxed
• The difference between tax-deferred accounts, tax-favored accounts, and taxable accounts
• How to achieve tax diversification
• The impact taxes will have on your income
• The essential facts about Roth IRAs
• How you can use cash value life insurance as tax-free income in retirement
• And more

It impacts your income for the rest of your life (and your spouse’s income, too)…

The decision you make determines your destiny…

You need to make the decision that leads to your secure retirement—you’ll have the money to do the things you want and live worry-free.

In this episode, we’ll cover the basics of Social Security and help you understand this important decision.

Listen to learn:

• What factors determine when you should take Social Security?
• The pros and cons of delaying Social Security
• How to find your full retirement age
• What is the cost of living adjustment?
• What spousal benefits will you receive?
• Will Social Security change in the coming decades?
• Is a strategy session right for you?

And no matter what stage of life you’re at, making a plan now will ensure that you can retire with maximum freedom, security, and enjoyment.

If you wait any longer, your time and money are on the line.

In this webinar, we answer the most common questions about retirement and show you how to plan for a secure future.

Listen to learn:

• How to get the most out of FRS benefits
• When is the best time to retire
• If going into DROP is right for you
• When you should start taking Social Security
• Why you should retire TO something—not FROM something
• What you may not know about required minimum distributions
• And more

Plan for life insurance--before it’s too late.

But what type of life insurance should you buy? When should you buy it? And who should you buy it from?

How can you create wealth for yourself today AND leave a legacy behind when you die?

This podcast episode breaks down life insurance fundamentals and shows you how to get the most out of this essential financial tool. 

Listen to learn:

• Why you can’t wait any longer to plan for life insurance
• The common life insurance mistakes to avoid
• Which life insurance strategy is right for you
• How to use life insurance to grow wealth while you’re alive
• And more

You may already know my story, but if you haven’t listened lately, we’ll catch you up on one of those life changing ambushes I faced earlier this year. What I went through was by far the most difficult, life changing, game changing event I’ve ever faced, yet it's given me insight and wisdom I wouldn’t have gotten otherwise.

Listen as Steve and I walk through what happened, and how I got to the milestone where I am today, as well as: 

• The first thing you need to do when a life-changing event drops into your life
• How to quickly get past agonizing and into action mode when presented with a problem—I share the two things that helped me remain calm in the face of such adversity
• Breakthrough solutions to reset and refocus your mindset
• The real reason we don’t get what we want and how to change your focus so you do
• And much more

As I say, “It’s not what you get, it's what you keep.”

Listen as we break down the three types of retirement investment accounts and walk you through:

• Why it’s important not to put all of your retirement “eggs” in one basket—how to diversify using the different types of investments
• How to accomplish what you want with your money and leave it behind in a tax efficient manner
• How to easily find out which strategies might work for you, how to make them work for you, and when you should be using a different type of strategy
• And much more.

This episode will benefit anyone who has a job or is looking to retire one day (even if you aren’t from Florida).  

As mentioned in this episode, “What we bring to the table is the ability to ask you questions you’ve never thought about and sometimes we question your answers. We all have a blind spot and need to be challenged sometimes.”

Listen as we break down: 

• What's your baseline for retirement?
• The four sessions of the Secure Retirement Method
• The four options of the Florida Retirement System—and how to coordinate your option with everything else you have for retirement
• Tax considerations in retirement—how can you make decisions today to control your tax future
• The number one best (tax free) way to take care of those you love
• And much more

Ken says, “I challenge my friends to seek new horizons every day whether retired or not… if we’re not seeking new horizons we’re standing in one place... not moving.”

At 73, Ken is preparing to embark on the next big step in his quest to seek new horizons, the adventure of a lifetime. He’s planning a trip that will take him across 6 continents, 45+ countries, 100+ cities, and 50,000 miles in 22 months. 

Listen as he shares: 

• Why now? He’ll share why NOW is the right time for him to sell his “stuff” and head out on this adventure
• Where he’s spending 10 weeks (hint: it’s the best place in the world to learn or improve your Spanish)
• How a jigsaw puzzle played a role in helping him plan his itinerary
• How he’s preparing mentally, physically, and financially 
• The place he’s looking most forward to visiting
• And much more… including how you can follow Ken on his travels

Steve has nicknamed me “the most productive man in rehab,” but “...there is no “S” on my chest and no blue underwear. There were a couple of moments when I had some tough realizations. At those times I was glad I could step out of my own strength and into that of my team.”

Today we’re talking about how I set my business up to click along (and even grow) without me for four months. I’ll give you an inside look at how I went from being a “rugged individualist” to surrounding myself with the most productive team I’ve ever had, as well as:

• The reciprocity of hiring people (hint: it’s not just about freeing up your time)
• The number one way to step out of your own problems and into something BIGGER
• The “secret sauce” of a great team member
• And much more

If you’ve missed the first two conversations in this series, be sure to go back and check them out.

How’d I do it? Listen as I share the mindset tools I used to press forward, including:

• The number one thing you need to determine before moving forward
• How to leverage the who and not the how for your business and personal life
• The 2 ways to reach your targets
• How not to get stuck in the dip on the path to your goals
• The one book I return to time and again 
• And much more

As you know, I’ve been out of pocket for four months. Today, in my first episode since returning to work, I sit down for a personal interview with my friend Steve Gordon to discuss the shocking health crisis that both sidelined me and required me to make a life-changing decision with no time to weigh my options. 

Steve and I go deep into facing adversity head on and how I made peace with my circumstances. I share the challenges I faced in my journey, as well as:

• My advice for accepting circumstances even when you don’t like them
• How to make decisions without second guessing yourself
• The one thing that determines success or failure when faced with life-changing adversity
• The WIRM technique I use to remain positive when the heat is on
• The importance of building the right team
• And much more

April discusses the three different types of retirement investments, offering examples of each type of account, how you can contribute to them, and their tax implications.

Listen as she explains: 

• Tax-deferred accounts
• Taxable or tax as you go accounts
• Tax-favored accounts or tax-free accounts
• How spreading out your retirement investments can help you keep more income in your pocket
• How to use Roth IRAs in retirement tax planning
• Permanent life insurance as a financial tool
• And more

 Listen in to learn more about the retirement red zone as well as:

• Mitigating financial risks
• Retirement planning: what works and what doesn’t 
• Building a financially balanced retirement plan
• And more

We chat about transitioning to Medicare, as well as:

• Exactly how to enroll in Medicare
• Common mistakes people make with Parts A and B of Medicare
• Who needs to enroll in Medicare and when
• How private insurance works with Medicare
• And more

We dive deep into how to claim Social Security benefits, as well as:

• How and why Social Security was formed
• How Social Security is funded today
• Where to see your statement to view your current benefits and earnings history
• Spousal, widow, and widower benefits
• The big changes made in 2015, including restricted application
• And more

We chat with Bonnie about her extensive public service career, as well as:

• The need for a steady source of income 
• Fixed Assets Department duties and how they’ve changed
• Finding engaging hobbies to stay busy in retirement
• And more

“It's important that you take a good clear-eyed look at your fiscal situation so that you know that you're not going to add stress to your life in retirement, because there will be enough stress. Getting old is not for the faint of heart,” says Helen.

We chat with Helen about living with passion and enthusiasm, as well as:

• Life in both K-12 and higher education, and the changes witnessed over the years
• The community impact of a new Medical School
• Doctors returning home to make a difference in places of need
• Saying YES to opportunities when they present themselves
• Evaluating your reason for retirement
• And more

We chat about the real motivations behind retirement, as well as:

• The spectrum of reasons why someone heads into retirement
• The four freedoms John continuously seeks
• Suspending belief and judgment in order to learn
• Managing client behavior for the long-term benefits
• And more

John says, “No matter what type of retirement account you have, the day will come when you have to start taking money. And that's called a required minimum distribution.”

We discuss the recent changes with the Secure Act, as well as: 

• Tax codes on various accounts 
• Penalties for not taking funds when you’re supposed to
• Verifying your beneficiaries
• Which account types are subject to RMDs
• When and why congress amended RMD laws 
• And more

John says, “Most people do not feel the effects of healthcare, or inflation in general, until they've been retired five to seven years. Then all of a sudden, without increasing spending or being extravagant, it's enough time for them to see some cost of living increases at the grocery store. And, healthcare is the biggest expense in retirement.”

We discuss the rising costs of healthcare, as well as: 

• Differentiating between the four types of Medicare coverage
• Enrollment windows and when to make your decision
• The delayed impact of IRMAA - Income Related Monthly Adjusted Amount
• Staying updated with the annual changes and increases
• And more

John says, “For many people, Social Security is really the only guaranteed lifetime income. Folks who have a pension like the Florida Retirement System, they have two streams of income that's guaranteed, but if you're self-employed, or if you are in a job where you have a 401K but not a pension, Social Security might be the only guaranteed lifetime reliable income stream you've got.” 

We chat about the impact of the pandemic on Social Security, as well as:

• How Social Security is taxed

• How the collection of Social Security will affect your spouse

• Actuarial equivalents

• Expected changes to Social Security and cost of living adjustments

• And more

“Some people say they have the ability financially to retire, but they don't have the ability mentally to retire. And I call that part of the mindset,” says John. “When it comes to the subject of drop, it's not just about money. It's the mindset, what will you do with the money? Do you need the income right away? Do you defer it? Do you take the money and pay tax on it? Pay off the mortgage?”

John uses the wisdom gained through 45 years of experience in retirement planning to decode the options available within the Florida Retirement System, educating others so they can retire with a sense of financial security.

We chat about the retirement frame of mind, as well as:

• To DROP or not to DROP

• Choosing one of the four DROP options

• Researching the right option for your goals

• Understanding DROP and where to go if you have questions

• Lawfully reducing income taxes

• And more

John says, “When you retire, every day is a Saturday. What do you do on Saturdays? Whatever you want. However, when do you spend the most money? During the week when you're working, or on weekends? Usually on the weekends. So, when you retire, if you truly retire and don't work anymore, every day becomes a Saturday, and you're more likely to spend more money because you're doing more things. We're going to touch on that today.”

We chat about the retirement mindset, as well as:

• Determining what retirement looks like for you— will you stop working entirely or start working in a different capacity?

• How your mindset will affect how you finance your retirement

• Considerations around Social Security and Medicare

• And more

“We're looking for opportunities to minimize tax. We want to avoid the tax, not evade the tax, because the difference between tax avoidance and tax evasion is about 10 years in prison”, says John.

We chat about taxes and their impact on your retirement, as well as: 

• Questions to ask when deferring your taxes

• A brief history of income tax

• How a change in administration could affect your retirement

• Whether or not income tax is really voluntary tax

• And more

“Some people choose one of the four options in a vacuum. They're all good, but they're designed for different purposes. Now, the challenge is taking those four options and coordinating that with Social Security, your deferred comp, your IRAs, drop money, savings investments, and your life insurance. All that has to be reviewed as a total package in order to have a comprehensive retirement plan that will last you for the rest of your life. That's what I want to make sure that anybody listening understands. This isn't just about which of these options you take, it's about the total picture,” says John.

We chat about secure retirement plans, as well as:

• The four Florida Retirement System pension plan options

• Making an informed choice

• Scenario planning: how long does your pension need to last?

• The difference between pension and investment

• When contributing to pension is not in your best interests

• And more

“I have clients from across all walks of life— doctors, lawyers, business owners, and we all have something in common. All of us. And that is: someday, we have a vision of retirement,” says John. 

As always, with this series, John uses practical knowledge gained through 45 years of experience in retirement planning to provide insight, not only to members of the FRS, but to other retirees and those planning their retirement, so that they can retire with a sense of financial security.

We chat about why John specifically wants to help members of the FRS, as well as:

• His retirement planning principles

• Concept first— what does retirement look like to you?

• What working with a retirement planner looks like

• And, what to expect from the rest of this special series

April says, “The main thing that we want our clients to have is more options when it gets to retirement, not less; we don't want you to be painted into a corner.”

Together, John and April have over 50 years of combined experience in helping clients plan for retirement and they use that knowledge this week to shed light on the importance of tax diversification in your planning process.

They speak in detail about:

• Tax deferred accounts, taxable accounts, and tax favored accounts

• Tax planning strategies— where should you be saving your money?

• The impact of taxes on retirement income

• Adapting to tax and market changes

• And more

“It's really important to understand that there are a lot of pieces to the puzzle,” says John. “We see people who don't even know what some of the pieces are. Or, they know about them but think that if they don't think about it, if they don't dwell on it, it won't matter. It does matter, and it will sneak up on you.”

They speak in detail about:

• The five risks: outliving your retirement income, sickness or injury, market volatility, taxation, and inflation

• Why traditional planning doesn’t work for retirement

• Key differences between saving for retirement and wealth distribution once you’re retired

• Achieving an optimal cash flow balance during retirement

• And more

“The training that you get to be a scientist gives you qualities like skepticism. You look at data and interpretations of data, you look for alternatives, you look for possibilities, testing hypotheses all the time, coming up with explanations for the things that you observe, always considering alternative explanations. Ultimately, I think what drew me to science in the first place is that there are truths. There are things that are, in fact, knowable, that are real truths. That's probably why I was drawn to it in the first place,” says Bill.

We chat about the virus and confirmation bias, as well as:

• The accuracy of numbers derived from testing

• What other countries have done to successfully slow the virus’ spread that the US has not done

• Comparing mandatory mask-wearing to banning indoor smoking in public places

• What world leaders could be doing to help life return to normal

• And more

Specifically, we take time to reflect on other hard times in the past and discuss how we got through them, along with speculating what the future may hold. 

Most importantly, we take time to discuss how you should be handling your finances during this unstable and unsettling time. We’ll also chat about:

• The importance of not keeping all your money in one place

• Your COVID-19 financial action plan

• Why trying to time the market is typically not the best idea

• How to find help and ask for it if you need it

“There were some days when you think ‘I just can’t face the world.’ And I think that’s perfectly normal to have days like that,’” says Elizabeth while remembering what it was like in the months after her husband’s death while she was trying to get back to living her life.

Nevertheless, she persisted and is now able to chat with us about how to handle a grieving family member or friend, what retirement was like for her as a teacher, as well as…

• The importance of keeping a structure
• How keeping busy allows you to experience everything retirement has to offer
• How she was able to securely retire
• The 4 freedoms of retirement
• And more

As a result, many people are sabotaging their social security benefit… and receiving much less than they could… because they make bad decisions during their retirement planning process.

When you should start taking social security is one of the most important factors here. There is a “best” time – but it’s different for everybody, and there are certain things you must keep in mind when making the decision.

We get into detail on that, as well as…

• What you need to know about taxes
• How Medicare and social security fit together 
• Why you might want to wait until age 70 
• Ways to maximize your benefit for steady income
• And more

Journeys of this length take some real planning and preparation, and John shares how he gets himself and his boat in shape for long voyages. He also talks about the places he’ll visit on the way… and how he chooses where he docks for the night.

These trips are part of his philosophy of doing things you enjoy– now– and staying active.

We get into detail on that and other thoughts on happy retirement, as well as…

• Tips for planning long-term travel (always have a back-up is #1)
• Places he’ll visit on the way… and why
• Why aging doesn’t have to mean getting old
• The #1 element you need to enjoy your retirement
• And more

But whatever you’re looking forward to… you have to take some precautions now to make sure your golden years are protected from things like inflation, taxes, healthcare costs, and more. We outline some solid strategies to make sure your financial and personal freedom stays secure.

We’ll even talk about how long you might live (since people today live longer than ever) might impact your financial planning. In fact, it’s one of the biggest risks to your dream retirement.

Listen in to discover…

• The biggest factors in running out of money – and how to make sure your income increases
• How to account for your “personal inflation rate”
• Ways your pension or benefits plan could sabotage your spouse
• Why where you save money is as important as how much 
• And more

You may have thought you were saving big-time on taxes with this method. But here’s the thing: required minimum distributions mean you really only deferred those taxes. And when it comes time to pay, the amount could be surprisingly high.

We talk about what you should be doing now to prepare for that certainty, the rules you must follow, and much more, including…

• At what age you are required to withdraw money first (and how this might be changing soon)
• The different actions you should take in the accumulation and distribution phases
• Why RMDs aren’t designed to set you up with lifetime income 
• How to use your RMDs to maximize the financial benefit to you 
• And more

What’s covered? What will it cost? When should you sign up? Which “part” should you join? Where can you seek medical care?

Those are just some of the questions those reaching eligibility age are asking. And the thing is, the answers are different for each individual. But there are some guidelines to consider as you make your decisions.

The biggest thing to remember: Medicare does not cover everything… including some services that are super-important as we get older. But there are ways to prepare for those expenses.

We talk about that, as well as...

• The best plan(s) for those planning on international travel
• Why it’s often a good idea to get a supplemental plan
• The four parts of Medicare – and what each one covers
• Medicare Advantage plans versus “Original” Medicare
• And more

We tackled the most common questions about social security, how it affects retirement planning, and what you should be doing now to prepare for a happy and healthy future with a steady income that meets your needs.

These are decisions you can’t put off any longer because what you do now will affect your social security benefits for a lifetime. 

Tune in to find out…

• The basic calculation that determines your monthly benefit
• Balancing income tax with social security – before and after you start collecting
• The biggest mistakes people make with their social security – and how to avoid them
• The earliest – and latest – you can collect social security – and why you might wait
• The regulations regarding working while simultaneously collecting social security – and how much you can earn before you start to incur penalties on your benefits 

What does that have to do with retirement? Well, in your Golden Years you’re not working – so what do you do instead? If you don’t have a good answer – an activity you truly enjoy – you’ll be worse than bored… it can actually negatively impact your mental and physical well-being. 

Becky has found fulfillment working with bear programs in Minnesota that help keep them in harmony with the human world. 

She gives us all the details of her work, as well as…

• Foods bears actually eat – and what they won’t touch
• The rejuvenating power of being in nature
• The unexpected benefits of following your passion in life 
• What to do if you don’t have any “hobbies” 
• Where to go and what to do if you want to learn more about bears and enjoy their company in person

That’s why, says Dominic, it’s more important than ever for public officials to be held accountable… to have an organization watching them closely to make sure they’re good stewards of public money – while not playing partisan politics.

We talk about how Tax Watch has helped save billions and how that will impact Florida’s future for its government, businesses, and everyday citizens. We also dig in to…

• The ways they take legislators to the task – and recognize exemplary government employees
• How they’re spurring positive change in schools 
• The most important issues they’re involved in today – and what’s on their radar
• Why they’re encouraging Everglades restoration
• And more

But it’s not just for the sake of being controversial. He thinks deeply about ways people can live their best lives when they retire. And he says the current system, not to mention conventional wisdom, actually makes it more difficult than it has to be to reach that goal… and he says the problem is getting worse.

We talk about…

• Why the age on your birth certificate is just a number
• The dangers of correlated investment
• Social Security and why it shouldn’t start at 62
• What should be the real determining factor in whether you buy an annuity
• And much more

“Get off your butt and do it.”

Whether it’s playing golf five times a week, cruising through the Caribbean, making memories with the grandkids, or taking up a new hobby later in life, Robert and Sonia are enjoying their Golden Years to the fullest.

But it’s no surprise as that’s what they’ve done their entire lives. We talk about what got them to this point, as well as…

• The three things you need when you retire – and money is just part of it
• Why it’s never too late to pursue your passion in life
• The danger of saying “I’ll wait until I retire”
• A mentor you need to help you with financial matters
• And more

It’s thanks to their love and determination to secure her the federal and state benefits she qualified for – not to mention her great attitude and friendly personality.

They’ve also made a plan to pay for her care when they’re gone, which will be especially important as she gets older.
 
Listen in to find out…

• The state and federal programs you might not know about
• Details on special needs trusts
• A free source of information on special needs benefits
• The type of financial planning you must do if you have a special needs child
• And more

Most people don’t have a real vision of their retirement, says John. And that can be very dangerous to their physical and mental health. 

We unpack what “vision” really means and how you can find fulfillment in your Golden Years – and it’s definitely not just about financial security.

Listen in to find out…

• The surprising things your retirement planner should be asking you 
• How car insurance affects your retirement planning 
• Why retirement doesn’t have to mean you stop working – and why you’ll love it
• The difference between money and income
• How much you can expect to pay for healthcare in retirement – it’s more than you think
• And more

Now she’s more active than ever with lunches out with friends, card games, and all sorts of hobbies. We talk about her secrets to a happy retirement, as well as… 

• A unexpected place to make new friends after you retire
• How her parent’s unexpected passing impacted her retirement plans
• The little-known sport that’s perfect for senior citizens
• The #1 strategy that will prepare you financially for retirement
• And more

As a result, they set themselves up for a comfortable retirement that allows plenty of funds for adventurous travels around the world.

We talk about where they’ve been and the wonders they’ve seen but more importantly how accountability, cooperation, and teamwork when it comes to finances has allowed them to truly enjoy their golden years.

Listen in to discover…

• Three pillars of a financially stable retirement
• The habit many people never adopt that leads to a retirement shortfall
• Why retirement isn’t about how much money you have
• The “In the Event” folder you need to create now
• And more

That was certainly the case for Carlton Ingram and his late wife, Nancy.

Carlton explains the arrangement they had and how it led to their happy marriage. He also goes over what he’s doing now to keep going in the face of tragedy.

We also talk about…

• What you must do now with your financial accounts
• The impact of lifelong learning
• When you can’t take “no” for an answer from your doctor
• How to reduce stress around money in relationships
• And more…

As a caregiver, John Beck’s passion has become to educate people about how, as a community, we can be caring and accommodating to people with this common condition.

Lisa Bretz, executive director of the nonprofit Area Agency on Aging for North Florida, has been instrumental in creating public awareness for this and many other issues, as well as connecting older adults in need with a variety of assistance programs.

As Lisa says, there is help out there and she tells you where to get it.

Listen in to find out…

• Why now is the time to account for dementia (or other long-term care needs) in your retirement plan
• The statewide hotline that can connect you to services you may not be aware of
• How to make sure you – or a relative – is not a victim
• The many ways you can get involved in helping older adults in the community
• And more

But, Kay says, there were things that popped up that she didn’t expect.

We talk about how she dealt with the bumps in the road, as well as how she’s been able to achieve a profound personal transformation in retirement while ticking items off her bucket list.

Listen in to find out…

• The questions you must ask now about your retirement plan
• The biggest myth about money when you retire
• How taxes impact Social Security and Medicare – and vice-versa
• Ways to take your medical coverage around the world
• And more

He feels like staying active and busy is a key to happiness when you’re no longer working. But, he says, don’t feel like you have to wait until retirement to do things that make you happy – he sure didn’t.

And you do have the time too – you just need to find it.

We talk about what he’s up to these days and how it affects his mental and physical well-being, as well as…

• The power of mentors and a “support group” to help you master a new skill
• What really happens in small claims court – this isn’t Judge Judy
• The type of retirement that is a “death sentence”
• Ways to prepare for retirement you haven’t considered (that have nothing to do with finances)
• And more

John Curry and April Schoen clear the air and get to the heart of the best way to take full advantage of this benefit you’ve been paying into your whole life.

Every situation is different. And you shouldn’t make a move until you look at your complete financial situation. But John and April give you the facts so you can make an informed decision.

Tune in to find out if you qualify for benefits you didn’t realize, as well as…

• How your Social Security income is taxed
• How to decipher your confusing Social Security statement
• What will change in Social Security and what never will
• Why taking Social Security too early can drastically reduce your benefit
• And more

For retired pharmacist – and lifelong boater - John Dunwoody, it meant adventure on the high seas in a 36-foot Grand Banks.

Most people retire and get bored, says John, but it doesn’t have to be that way.

Explore your own interests to figure out what’s going to give you your dream retirement… and make a plan to get it.

We explore how to apply that philosophy to the real world – and how to make it work financially – as well as…

• The joys of slow travel
• Where to find little-visited but very interesting historic sites
• Finding the value in the journey
• The culture of boat cards
• And more

After a 33-year career working in state government, Fran was ready for a change.

She found fulfillment by embracing lifelong interests and hobbies she had set aside for years… and helping others in her community.

As Fran says, we have limited time on earth, let’s do something worthwhile. We discuss that philosophy and also get into…

• How to discover what you really want out of life – now
• Ways to stay engaged and active in retirement
• The unexpected value of your past experiences
• The importance of having a Plan A – and a contingency plan
• And more

Larry Simmons is bucking that trend. After 40 years of working an 8 to 5 job this consulting engineer decided to “slack off.”

He and his wife, Carol, travel around the country in their RV when and where they want to. Thanks to the Internet, Larry is able to take his work on the road.

We discuss how to set up a “mobile office,” as well as…

• The unique community you find in RV parks
• How to get into national parks for free
• Ways to try out the RV lifestyle without a huge commitment
• The best-kept secret in the American West
• And more

Dr. Sam Graber specializes in helping people stay healthy and looking great now… and for years to come.

This retired chiropractor turned health coach is a big advocate for “real food” that hasn’t had the nutrition processed out of it. And she doesn’t believe in dieting.

We talk about how you can get started on a more healthy lifestyle and maintain it in the long term. Listen in to find out…

• The trusted advisor you need for your health – it’s not your doctor
• The unexpected factors that increase your chances of dementia
• The better alternative to dieting
• How you should exercise (it’s easier than you think)
• And more

He has a commitment to the truth, something he passes on to the up-and-coming journalists he mentors.

Tom doesn’t think he’s ever going to retire. It’s a sentiment that many share – traditional retirement isn’t for everybody.

We talk about the alternatives, as well as…

• Why a healthy savings doesn’t guarantee a happy retirement
• The impact of longer lifespans
• Making sure there are no surprises with your retirement accounts
• The rejuvenating power of lifelong learning
• And more

But, says Dr. Larry Kubiak, you can’t forget the emotional and psychological side. As Director of Psychological Services at Behavioral Health Center Tallahassee Memorial Healthcare, Larry knows that better than most.

With our identities so wrapped up in our jobs, retirement can bring your whole life crashing down if you’re not careful. And your mental health can suffer.

Retirement can – and should – be your biggest adventure yet! Larry and I talk all about how to make it happen.

Tune in to discover…

• What you should do now to ensure a fulfilling retirement
• The best way to react to bad situations
• A strategy for staying young, no matter what your age
• How to earn a “psychic income”
• And more

She’s also seen the way healthcare issues are impacting everyday people.

One of the major concerns is rising costs. In our chat, we highlighted strategies to account for that, especially in retirement. We also spoke about the importance of discussing end of life care with your family – so your wishes are followed.

Tune in now to discover…

• Things you can do now to live a long and healthy life
• What accounts for 50% of the impact on your health
• How to tweak your retirement plan to account for increasing lifespans
• The very real consequences of not listening to your doctor
• The #1 health risk in the United States – and how to avoid it
• And more

Phil and Betty are keeping busy in other ways, including some very unique volunteer work.

It was a lifetime of discipline in following a financial plan that got them to the point where they can do the things they enjoy most. And they’re living life to the fullest, finding fun everywhere they go.

Tune in to learn…

• How seeing new places is only the beginning of the benefits of travel
• Tips for inexperienced travelers – going across the country and around the world is easier than you think
• The value of having a life outside of work
• Why you should always call your bank before you travel
• And more

Listen now…

They stop at the major war memorials in the nation’s capital, as well as Arlington Cemetery. It’s a time of intense emotions… memories… and gratitude.

These are the men and women who’ve protected the American way of life and sacrificed so much, says my guest Mac Kemp, and he considers it an honor to be part of this organization.

Mac, chairman of the group and deputy chief with Leon County EMS was instrumental in forming the local chapter and ensuring that vets from World War II, the Korean War, and Vietnam War are able to get the recognition they deserve.

Mac and I talk about highlights from past trips and how everyday people can get involved, as well as…

• The rewards of being an Honor Flight Guardian
• What vets always say during the trip
• How the group cuts through D.C. traffic ”like butter”
• A welcome back ceremony like you’ve never seen
• And much more

Listen now…

But as important is making sure you can get the medications, procedures, and other things you need as you get older… while you’re depending on your retirement income and retirement accounts to pay for it.

Bill shares his thoughts on the healthcare system and how to best take care of yourself.

Listen in to discover:

• Habits you can adopt now for better long-term health
• The importance of staying active – physically and mentally
• Fitness and nutrition habits anybody can adopt
• Tips for adjusting to more time at home in retirement
• And more

Listen now…

Ron shares the two most important things you must be doing right now to invest in your future. And he has some specific advice for what to do when you have a “winner” in your portfolio – it might not be what you think.

We also talk about…

• How to overcome the Main Street versus Wall Street divide
• The one thing that could most affect your investments in the coming year
• Why “balance” is so important in your financial planning
• The impact – good and bad – of today’s 24-hour news cycle
• And more

Listen now…

Medicare is one element here that confuses a lot of people. Peter has some solid advice for navigating that program. He also highlights three things you can do to maximize your health care funds when you retire.

There’s a lot more on this vital topic, including…

• How to maximize your health savings account
• Ways to plan effectively for long-term care
• The right time to enroll in Medicare – it’s different for everybody
• How the new tax law could impact your healthcare planning.
• And more

Listen now…

You can also take an active role by using easy-to-use tools to work towards your most important goals one step at a time.

Steve shares some strategies for injecting simplicity in the key areas of your life. You’ll discover…

• Having “more” of something doesn’t mean you have more value
• The “old school” method for achieving key objectives
• Why you should be thinking inside the box
• The OCT method for focusing on tasks with the most impact
• And more

Listen now…

As a doctor specializing in psychiatry, Ellen has seen the impact of a lack of proper “self-care” in herself and her patients. She shares some simple techniques and practices you can use for your own self-care plan at home.

The result is a better quality of life – and health – now and as you get older. And that’s just as important to your retirement as the financial side of things. It’s never too late and you’re never too old to starting take care of yourself

We go into in detail on self-care strategies, including…

• The right way to meditate… even you don’t think you can do it at all
• Easy stress reducers you can start today
• The importance of rest and sleep to your brain function and physical well-being
• How to combat the sometimes “self-imposed” physical limitations that come with age
• And more

Since this week’s guest is president of Tallahassee Community College, we also cover his first-hand experiences in how the college experience is changing.

Jim came to that role after a long career in local and state law enforcement, where he had a variety of roles. As he likes to tell those just starting out… life isn’t a straight line. He has some tips for embracing that fact.

We also cover…

• Applying a results-driven approach to financial planning… and life
• The benefits of making a job your mission
• Why you should never view your competition as an “enemy”
• The “disruptions” that are impacting higher education and Florida’s job market
• The value of lifelong learning

Listen now…

Unfortunately, there are many financial threats to your retirement plans – some you can see, some that are invisible until they take away income and assets. To make matters worse, too many folks have assumptions about their current retirement plan that are just plain false.

But you can plan and prepare for these threats, even the unexpected ones, to protect your retirement funds. And you can cut through the misinformation out there. There’s no one-size-fits-all approach here, and the solution is not to simply buy more financial products.

It takes a personalized plan, and you must take action ASAP.

Listen now to discover…

• The 4 biggest threats to your retirement right now
• How taxes can impact your retirement plans in ways you didn’t know
• Why you need to go through a “retirement rehearsal” right now
• A 4-part plan for creating an effective retirement plan (or fixing your current one)
• And much more

Listen now…

There are several factors outside your control that will impact your savings and payments from Social Security, a pension, or retirement plans. But you can prepare for these issues so the effect is less drastic.

And you can make sure you’re not making critical mistakes right now with your pension, healthcare, and more that could sabotage your retirement dreams.

Listen in to find out…

• The consequences of underestimating your life expectancy
• What you should consider first when retirement planning
• The “silent thief” that robs your retirement savings and payments
• How to make sure you’re not overpaying your taxes (most people are)
• The two factors that, over time, ensure that your money doesn’t go as far in day-to-day life
• The unexpected way you can lose your life insurance

Listen now…

My personal trainer Jason Harville shares easy ways you can stay fit, no matter how old you are… especially if you have any issues, conditions, or injuries.

This is not about becoming a bodybuilder. Rather it’s achieving a standard of fitness that incorporates flexibility, cardio and strength for better overall body function. That’s key to truly enjoying a long and healthy retirement.

Find out…

• The most important benefit of having a personal trainer
• The 3 elements of any successful fitness plan
• Exercises you can do right now to improve health
• A diet plan that makes sense in the real world
• The simple exercise you should do if you sit a lot at work or at home

Listen now…

At the height of his career a serious but unexpected near-death medical emergency changed Gary’s outlook on life and how he did his job. Not to mention it compelled some serious action with end of life planning.

Gary shares how he adapted professionally and financially to his new reality.

Listen in to find out…

• The retirement planning you need that you don’t know about
• How health can impact your career and life – and how to make needed changes
• Financial planning you need for potential tough times
• Ways to take care of your surviving loved ones
• And more

Listen now…

The couple, married 50 years, had been enjoying a comfortable and secure retirement thanks to following through on sound financial planning.

But they had left a few key parts out of their plan that made a traumatic time for Marylin even worse.

In this episode, she shares what she would have done differently, what she’s doing to improve her end of life planning to help her son, and what actions she says you should take right now to make your loved ones’ lives easier when you pass away.

Listen to discover…

• The power of the Living Balance Sheet
• How to make sure your financial accounts are up-to-date (they might not be)
• The questions a funeral home will ask that your loved ones should know
• The 4 elements you must keep in mind for end of life planning
• And more…

Listen now…

Modern life throws a lot at us. But whatever is holding you back… you don’t have to go it alone.

Connie Clark, of Striving Forward Coaching, is a life coach. And she shares how professionals like her help clients get from wherever they are now to where they want to be in their lives.

Tune in to find out…

• The crucial differences between a life coach and mentor
• Why your goals must be measurable, reasonable, and achievable
• The key to success in any coach-client relationship
• How to determine if you need a coach… and how to find the right one
• And more

Listen now…

For Bill and Donna Elliot, it was an once-in-a-lifetime trip in a motorhome… a voyage that had them zigzagging across the U.S. full-time for two years and 24,000 miles.

Bill, a retired architect, and Donna, who had worked in the legal field, were ready for a break after long successful careers. And they had a lot on their bucket list, like a NASCAR race in Indianapolis, Niagara Falls, Frank Lloyd Wright homes, and a baseball game in Pittsburgh.

They explain how they prepped for the trip… but also how they were able financially to make it work.

Listen in to find out…

• Tips for transitioning from work to retirement 
• The role of an advisor in organizing your finances
• Why now is the time to indulge in something you’ve always dreamed of
• How to untangle yourself from your old day-to-day routine
• And more…

Listen now…

They want to buy a nice home, own a reliable car, save money for their kids’ – even grandkids’ – educations, and put away enough money for a comfortable retirement.

That’s a good life.

To ensure that happens you need to prepare now for the biggest financial danger to your retirement. It’s a danger that many suffered from in the 2008 economic crisis… and the problem hasn’t gone away.

Fortunately, you can safeguard your retirement by following some simple guidelines.

Listen in to discover…

• The 4 P’s you need in place now for a comfortable retirement
• Why protecting your money always comes first
• How to create a living balance sheet to guide your financial decisions
• When term life insurance or whole life insurance is best for you
• The reason cash is not king anymore… and what you should focus on instead

Listen now…

In this interview, John Curry breaks down the key considerations and decisions that are unique to FRS members.