The Social Security Rule That Could Cost Couples Thousands

Claiming Social Security at the wrong time could quietly cost couples thousands, especially when spousal benefits enter the picture. Kelton Burgess explains the key differences between personal and spousal Social Security benefits, why waiting longer does not always increase a spousal benefit, and …

The Fear Keeping Millions Working Past Retirement Age

What if the biggest obstacle to retirement isn’t your savings balance, but the fear that it still won’t be enough? More Americans say they plan to work longer because they worry about outliving their money, even after years of saving. Kelton Burgess examines why retirement anxiety remains so common…

Are You Focusing on the Wrong Retirement Risk?

Could claiming Social Security too early create a bigger retirement challenge than most people realize? In this episode, Kelton Burgess breaks down the uncertainty surrounding Social Security, why taxes may have a larger impact on retirement than many expect, and how investment priorities often shi…

What Happens If Technology Changes Your Retirement Plan?

Could AI change your retirement timeline before you're ready? In this episode, Kelton Burgess explores how artificial intelligence is reshaping the workforce and why workers in their 50s and 60s may need to rethink their retirement plans. The conversation covers career transitions, early retirement…

Why a Million Dollars Isn’t the Retirement Answer

What happens to your retirement income when inflation keeps shrinking the purchasing power of every dollar? Kelton Burgess explains why retirement planning is about more than generating income, it’s about preparing for rising costs over time. Using the impact of energy prices and inflation as a bac…

Why a Million Dollars Isn’t the Retirement Answer

What happens to your retirement income when inflation keeps shrinking the purchasing power of every dollar? Kelton Burgess explains why retirement planning is about more than generating income—it’s about preparing for rising costs over time. Using the impact of energy prices and inflation as a back…

What Your Advisor Isn’t Showing You

The biggest drain on your retirement savings might be the one you never see. Hidden fees—from advisor charges to fund expenses—can quietly erode your portfolio over time. Kelton Burgess breaks down where these costs hide, why most investors don’t fully understand what they’re paying, and how transp…

What Actually Keeps Retirees Up at Night

What if retirement really comes down to a few core trade-offs most people overlook? This episode breaks down the layered worries behind retirement planning, starting with health versus wealth and expanding into income versus longevity. Kelton Burgess unpacks how longer lifespans and fewer pensions …

The Cost of Waiting on Legacy Planning

Procrastination might feel harmless, until it quietly reshapes your family’s future. Kelton Burgess breaks down why legacy planning is so often delayed, from fear of confronting mortality to the misconception that it’s only for the wealthy. Using real-world examples, the conversation highlights how…

The Roth Shake-Up: Should You Combine Your Accounts?

A proposed rule change could reshape how Roth accounts are managed, but is simpler always better? Kelton Burgess breaks down the potential for rolling personal Roth IRAs into workplace plans, explaining why Congress is considering the shift and what it could mean for fees, taxes, and account manage…