On this episode:


How the BBB changes taxes, social security, and filing.


Many advisors say that people are focused on the wrong number.


Common reasons people finally seek out a financial advisor.  

Subscribe or follow so you never miss an episode!

Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to www.retire210.com

Follow us on Facebook!

On this episode:
<ul>
<li>
How the BBB changes taxes, social security, and filing.
</li>
<li>
Many advisors say that people are focused on the wrong number.
</li>
<li>
Common reasons people finally seek out a financial advisor. &nbsp;
</li>
</ul>
Subscribe or follow so you never miss an episode!
Check out our <a href="https://youtube.com/@sfmplanning523">YouTube</a> page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirement" 5-Step Process, go to <a href="https://www.retire210.com">www.retire210.com</a>
Follow us on&nbsp;<a href="https://www.facebook.com/sfmplanning">Facebook</a>!

Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning.

Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years.

Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you’re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies!

If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉 Schedule an Appointment

 

Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning.
Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years.
Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you&rsquo;re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies!
If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉&nbsp;<a href="https://appointments.sfmplanning.com/form-page">Schedule an Appointment</a>
&nbsp;

Clear Skies Retirement

Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning.

Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years.

Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you’re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies!

If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉  https://bit.ly/3y8MvI4

Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning.
Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years.
Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you’re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies!
If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉  <a href="https://bit.ly/3y8MvI4">https://bit.ly/3y8MvI4</a>

What Do You Need to Know About the Big Beautiful Bill? | Are You Confident About Retirement? You May Be Looking at the Wrong Number | When Is the Right Time to Hire a Financial Advisor?

Is your retirement strategy resting on a "Magnificent Seven" house of cards, or is it built for the long haul? Jay Kirkwood breaks down the shifting market breadth of 2026 and why the 4% rule might be a recipe for disaster in volatile cycles. From the emotional "memory dividends" of family time to the logistical hurdles of downsizing in a high-cost housing market, this episode explores what money is actually for. Discover how to prioritize health over headers and why a flexible "stair-step" spending plan beats rigid, outdated formulas every time.

Subscribe or follow so you never miss an episode!

Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com

Follow us on Facebook!

Is your retirement strategy resting on a "Magnificent Seven" house of cards, or is it built for the long haul? Jay Kirkwood breaks down the shifting market breadth of 2026 and why the 4% rule might be a recipe for disaster in volatile cycles. From the emotional "memory dividends" of family time to the logistical hurdles of downsizing in a high-cost housing market, this episode explores what money is actually for. Discover how to prioritize health over headers and why a flexible "stair-step" spending plan beats rigid, outdated formulas every time.
Subscribe or follow so you never miss an episode!
Check out our <a href="https://youtube.com/@sfmplanning523">YouTube</a> page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to <a href="https://www.retire210.com">www.retire210.com</a>
Follow us on&nbsp;<a href="https://www.facebook.com/sfmplanning">Facebook</a>!

Beyond the Mag 7: Navigating the 2026 Market Shift

What if the "tried and true" 4% rule is actually a fast track to running out of money in retirement? In this episode of Clear Skies Retirement, Jay Kirkwood breaks down why traditional math often fails when it meets the reality of market volatility and shifting economic trends. We explore the transition from a tech-heavy market to a broader economy, the hidden costs of downsizing your home, and why "memory dividends" should be your new favorite investment. Join us to discover how to build a plan that prioritizes your time, health, and legacy over simple spreadsheets.

Subscribe or follow so you never miss an episode!

Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com

Follow us on Facebook!

What if the "tried and true" 4% rule is actually a fast track to running out of money in retirement? In this episode of Clear Skies Retirement, Jay Kirkwood breaks down why traditional math often fails when it meets the reality of market volatility and shifting economic trends. We explore the transition from a tech-heavy market to a broader economy, the hidden costs of downsizing your home, and why "memory dividends" should be your new favorite investment. Join us to discover how to build a plan that prioritizes your time, health, and legacy over simple spreadsheets.
Subscribe or follow so you never miss an episode!
Check out our <a href="https://youtube.com/@sfmplanning523">YouTube</a> page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to <a href="https://www.retire210.com">www.retire210.com</a>
Follow us on&nbsp;<a href="https://www.facebook.com/sfmplanning">Facebook</a>!

The Downsizing Dilemma: When Your Smaller House Costs More Than the Original

You’ve climbed the retirement mountain and saved your millions, but is the IRS waiting at the peak to take a massive cut? In this episode of Clear Skies Retirement, Jay Kirkwood of Secure Financial Management explores the "two-sided coin" of income and tax management. Learn why high savings can lead to higher Medicare premiums and taxed Social Security if not handled with precision. From the risks of using 401ks for home down payments to the truth about target date funds and annuities, Jay reveals how to navigate complex distribution rules before time runs out.

Subscribe or follow so you never miss an episode!

Check out our YouTube page for more retirement tips from Jay!

To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.retire210.com

Follow us on Facebook!

You&rsquo;ve climbed the retirement mountain and saved your millions, but is the IRS waiting at the peak to take a massive cut? In this episode of Clear Skies Retirement, Jay Kirkwood of Secure Financial Management explores the "two-sided coin" of income and tax management. Learn why high savings can lead to higher Medicare premiums and taxed Social Security if not handled with precision. From the risks of using 401ks for home down payments to the truth about target date funds and annuities, Jay reveals how to navigate complex distribution rules before time runs out.
Subscribe or follow so you never miss an episode!
Check out our <a href="https://youtube.com/@sfmplanning523">YouTube</a> page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to <a href="https://www.retire210.com">www.retire210.com</a>
Follow us on&nbsp;<a href="https://www.facebook.com/sfmplanning">Facebook</a>!

What Do You Need to Know About the Big Beautiful Bill? | Are You Confident About Retirement? You May Be Looking at the Wrong Number | When Is the Right Time to Hire a Financial Advisor?

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