What is a Phase Two Planner?

Gerry Ricken and Heidi Ricken-Provost join co-host Doug Turnbull to talk about what makes them, as phase two planners, different from other financial planners. They discuss the differences in phase one and phase two strategies, the implications of not tax-planning, and how early people should start…

Should Election Results Change Tax Strategies?

Gerry Ricken and co-host Doug Turnbull talk about people's attitudes and knee-jerk reactions, based on election results. Gerry explains to listeners why tax strategies before the election results have not changed and why Roth conversions are so key to being tax-efficient in retirement, including a …

Tax-Free Retirement Strategies

Heidi Ricken-Provost, Gerry Ricken, and co-host Doug Turnbull discuss several ways people can decrease or eliminate taxes in retirement: health savings accounts (HSAs), Roth IRAs and Roth 401(k)s, certain life insurance plans, municipal bonds (with some exceptions), and qualified charitable distrib…

Reviewing Beneficiaries

Gerry Ricken tells co-host Doug Turnbull and listeners about the steps people should take to review who the beneficiaries of their accounts are. Gerry also talks about what people should consider when naming a beneficiary and when they should establish a trust, along with the importance of doing an…

Longevity Risk

Gerry Ricken and co-host Doug Turnbull talk about the change in the worries of retirees over the last two decades and why living longer plays in to that tension. Gerry breaks down several factors people should consider, in making sure their money lasts as long as them: income plan, healthcare plan,…

Ineffcient Dollars

Heidi Ricken Provost defines to co-host Doug Turnbull and to listeners how their hard earned money can be inefficient. She explains where people should be considering placing their excess money to be able to get the most out of it and how many times banks can make money off a customer’s account. He…

Long-Term Care: A Family Matter

This week, Gerry and Heidi discuss the importance of planning for long-term care as part of retirement. They share personal concert experiences to lighten the mood before diving into the serious topic of long-term care, emphasizing that 70% of people will need some form of care in their lifetime. T…

Finishing The Year Strong

This week on Kickin' With The Rickens, Gerry and Heidi discuss the importance of finishing the year strong financially, especially with the upcoming changes in tax rates. They explore various strategies such as maximizing HSAs, considering Roth conversions, and understanding required minimum distri…

Annuities vs. IRAs

Gerry Ricken and Heidi Ricken Provost describe the confusion that clients have about different types of IRAs, how they compare to annuities, and what different, basic tax terms mean. They also coach people on what they can do well before retirement that can potentially save them a larger tax burden…

Getting to know Gerry and Heidi and Doug

Previous host, Mark Owens, hands the baton to Doug Turnbull and Doug both introduces himself to the audience and learns the backstories of both Gerry Ricken and Heidi Ricken Provost, and how their family has inspired them to use this opportunity to help others and honor their past. For more inform…