They've all but gone by the wayside in the workforce at this point, but there are still ways to create guaranteed streams of income for you and your spouse throughout retirement, regardless of how long that retirement may be.  Dave Ross and Scott Kerschner discuss this and more on this episode of ARHQ.

Learn more about America's Retirement Headquarters online.  Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.

They've all but gone by the wayside in the workforce at this point, but there are still ways to create guaranteed streams of income for you and your spouse throughout retirement, regardless of how long that retirement may be.  Dave Ross and Scott Kerschner discuss this and more on this episode of ARHQ.
Learn more about America's Retirement Headquarters <a href="https://americasretirementheadquarters.com/" aria-label="Link online">online</a>.  Follow us on <a href="https://www.facebook.com/americasretirementheadquarters" aria-label="Link Facebook">Facebook</a>, <a href="https://www.youtube.com/@AmericasRetirementHeadquarters" aria-label="Link YouTube ">YouTube </a>and <a href="https://www.linkedin.com/company/america-s-retirement-headquarters/" aria-label="Link LinkedIn">LinkedIn</a> for even more helpful insights you can use for retirement.

Nolan Baker and Scott Kerschner know that retirement investing is inherently different from pre-retirement investing. It's all about preserving your life's work and collecting income. Join them as they discuss strategies to make your retirement dreams into retirement reality.

Learn more about America's Retirement Headquarters online.  Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.

Nolan Baker and Scott Kerschner know that retirement investing is inherently different from pre-retirement investing. It's all about preserving your life's work and collecting income. Join them as they discuss strategies to make your retirement dreams into retirement reality.
Learn more about America's Retirement Headquarters <a href="https://americasretirementheadquarters.com/">online</a>.  Follow us on <a href="https://www.facebook.com/americasretirementheadquarters">Facebook</a>, <a href="https://www.youtube.com/@AmericasRetirementHeadquarters">YouTube </a>and <a href="https://www.linkedin.com/company/america-s-retirement-headquarters/">LinkedIn</a> for even more helpful insights you can use for retirement.

America's Retirement Headquarters

Nolan Baker and Scott Kerschner know that retirement investing is inherently different from pre-retirement investing. It's all about preserving your life's work and collecting income. Join them as they discuss strategies to make your retirement dreams into retirement reality.
Learn more about America's Retirement Headquarters <a href="https://americasretirementheadquarters.com/">online</a>.  Follow us on <a href="https://www.facebook.com/americasretirementheadquarters">Facebook</a>, <a href="https://www.youtube.com/@AmericasRetirementHeadquarters">YouTube </a>and <a href="https://www.linkedin.com/company/america-s-retirement-headquarters/">LinkedIn</a> for even more helpful insights you can use for retirement.

Is There a Way To Create a Personal Pension?

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Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!

Bond decisions made today can feel simple—until interest rates move and retirement income questions get complicated.

Many retirees and near-retirees are taking a closer look at how bonds fit into their overall strategy. In this episode, Nolan Baker breaks down five practical considerations for evaluating bonds, including how interest rates influence prices, why duration matters, and the differences between Treasuries, corporate bonds, and municipal bonds. The Nolan also explores how Federal Reserve policy can ripple through the bond market and why diversification and credit quality often matter more than chasing yield. Listeners will hear about common missteps, such as overlooking fees or ignoring rate trends- and how portfolio adjustments may be considered as market conditions change. If bonds play a role in your retirement picture, this discussion offers helpful context for thinking through how they’re used and why structure matters.

About America's Retirement Headquarters:

We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.

Visit Us: 1700 Woodlands Drive, Maumee, OH 43537

Call Us: 419-794-3030

Learn More: ARHQ.com

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>&nbsp;or call 419-794-3030 to speak with a retirement planning specialist today!
Bond decisions made today can feel simple&mdash;until interest rates move and retirement income questions get complicated.
Many retirees and near-retirees are taking a closer look at how bonds fit into their overall strategy. In this episode, Nolan Baker breaks down five practical considerations for evaluating bonds, including how interest rates influence prices, why duration matters, and the differences between Treasuries, corporate bonds, and municipal bonds. The Nolan also explores how Federal Reserve policy can ripple through the bond market and why diversification and credit quality often matter more than chasing yield. Listeners will hear about common missteps, such as overlooking fees or ignoring rate trends- and how portfolio adjustments may be considered as market conditions change. If bonds play a role in your retirement picture, this discussion offers helpful context for thinking through how they&rsquo;re used and why structure matters.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>

Bonds in 2026: What Retirees Should Be Paying Attention To Now

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!

Retirement confidence often rests on assumptions, but what if some of them don’t hold up? In this episode, Dave Ross and Scott Kerschner unpack the realities behind retirement planning, challenging common beliefs that can quietly shape long-term decisions. The conversation explores how income planning, healthcare considerations, and timing decisions intersect as people approach retirement. The panel also discusses why many retirees underestimate healthcare costs and overestimate certainty, and how flexibility can help navigate life’s transitions. Rather than focusing on predictions, the episode highlights practical considerations and thoughtful questions retirees may want to address as they shape their plans. Whether you’re years away from retirement or already thinking about next steps, this discussion offers perspective on building a strategy designed to adapt as circumstances change.

About America's Retirement Headquarters:

We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.

Visit Us: 1700 Woodlands Drive, Maumee, OH 43537

Call Us: 419-794-3030

Learn More: ARHQ.com

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>&nbsp;or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement confidence often rests on assumptions, but what if some of them don&rsquo;t hold up? In this episode, Dave Ross and Scott Kerschner unpack the realities behind retirement planning, challenging common beliefs that can quietly shape long-term decisions. The conversation explores how income planning, healthcare considerations, and timing decisions intersect as people approach retirement. The panel also discusses why many retirees underestimate healthcare costs and overestimate certainty, and how flexibility can help navigate life&rsquo;s transitions. Rather than focusing on predictions, the episode highlights practical considerations and thoughtful questions retirees may want to address as they shape their plans. Whether you&rsquo;re years away from retirement or already thinking about next steps, this discussion offers perspective on building a strategy designed to adapt as circumstances change.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>

How to Prepare for the Unexpected in Retirement

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!

What if the biggest risk to your retirement isn’t the market, but the assumptions you’re making right now? In this episode of the How to Retire Radio Show, American Retirement Headquarters digs into the real mechanics of retirement planning, starting with how much monthly income retirement actually requires. They break down the three phases of retirement spending and why income needs often change over time, not all at once. The conversation also tackles the financial trade‑offs of delaying retirement, along with common misunderstandings around Social Security and the widely referenced 4% rule. Throughout the episode, the hosts emphasize why relying on rules of thumb can leave gaps and how a comprehensive, written financial plan helps bring clarity and structure to retirement decisions. This discussion is designed to challenge conventional thinking and encourage a more deliberate approach to planning the years.

About America's Retirement Headquarters:

We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.

Visit Us: 1700 Woodlands Drive, Maumee, OH 43537

Call Us: 419-794-3030

Learn More: ARHQ.com

 

 

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>&nbsp;or call 419-794-3030 to speak with a retirement planning specialist today!
What if the biggest risk to your retirement isn&rsquo;t the market, but the assumptions you&rsquo;re making right now? In this episode of the&nbsp;How to Retire Radio Show, American Retirement Headquarters digs into the real mechanics of retirement planning, starting with how much monthly income retirement actually requires. They break down the three phases of retirement spending and why income needs often change over time, not all at once. The conversation also tackles the financial trade‑offs of delaying retirement, along with common misunderstandings around Social Security and the widely referenced 4% rule. Throughout the episode, the hosts emphasize why relying on rules of thumb can leave gaps and how a comprehensive, written financial plan helps bring clarity and structure to retirement decisions. This discussion is designed to challenge conventional thinking and encourage a more deliberate approach to planning the years.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: <a href="https://americasretirementheadquarters.com/">ARHQ.com</a>
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Is There a Way To Create a Personal Pension?

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