How Much of Your IRA Actually Belongs to the IRS?

Your IRA may not be as much yours as you think. This episode explores the hidden tax liability inside 401(k)s and IRAs, why the IRS can become a silent partner in your retirement, and how expiring tax laws could impact your future income. Nolan Baker and Danny Schauber break down Roth conversions,…

Forced Into Retirement? The Decisions That Matter Most

What happens if retirement arrives years earlier than planned? This episode explores the financial decisions that can follow an unexpected job loss, including how to bridge income gaps, evaluate Social Security timing, and navigate healthcare options. Nolan Baker also breaks down the backdoor Roth…

The 5 Retirement Mistakes That Can Cost More Than a Market Crash

What if the biggest retirement risks aren’t market crashes, but the decisions you make just before retirement? Financial advisor Nolan Baker explains why the five years leading up to retirement can be critical for protecting your nest egg. He discusses sequence of returns risk, when target-date fu…

The Retirement Mistakes That Seem Small, Until They Aren’t

The small retirement decisions you ignore today can create the biggest headaches tomorrow. In this episode, Nolan Baker explains the “shopping cart” mistakes retirees often make, assuming savings will last, spending too much too soon, delaying planning, and overlooking long-term care risks. He sha…

Forced Into Retirement? The Decisions That Matter Most

Could an unexpected layoff force you into retirement years earlier than planned, and what would you do next? Nolan Baker explores the critical financial decisions that come with an early retirement, including Social Security timing, healthcare coverage, and avoiding costly mistakes with retirement…

The Hidden Risks Behind a $1 Million Retirement Portfolio

A seven-figure nest egg may look retirement-ready, but what if the real risks are hidden beneath the surface?  This episode explores why a written retirement plan matters more than a portfolio balance alone. Nolan Baker discusses turning savings into reliable retirement income, avoiding concentrat…

The Hidden Cost of “One More Year”

How much time are you trading for “just one more year”? This episode unpacks the real cost of delaying retirement, where people often underestimate expenses, and why clarity, not savings, may be the missing piece. Nolan Baker explores the emotional and financial side of retirement timing, from pr…

The Hidden Retirement Tax Trap Most Savers Miss

What if your “set it and forget it” retirement plan is quietly turning into a financial ticking time bomb? This episode breaks down why taxes can remain one of your largest expenses in retirement and how deferring them may actually increase your burden. You’ll hear why autopilot investing can crea…

The Social Security Move That Changes Everything

The wrong Social Security decision could quietly cost more than your portfolio ever earns. This episode breaks down when to claim benefits, why timing matters, and how taxes, spousal coordination, and healthcare costs shape your retirement income. You’ll also hear a practical five-step checklist t…

Why Even Millionaires Fear Retirement

Think a million dollars solves retirement worries? Think again. This episode breaks down the top seven concerns keeping even high net worth savers up at night, from market volatility and inflation to healthcare costs, debt, and rising housing expenses. The conversation explores how planning, not …