Is Your Retirement Plan Ready for Year-End?

The financial moves you make before year-end could shape your retirement long after the calendar turns. On this episode, David Gagnon discusses year-end tax planning, Roth conversions, and why tax preparation and proactive tax strategy are very different. He also explores how Social Security claimi…

Are Bonds the Missing Piece in Your Retirement Plan?

Are stocks getting all the attention while an important piece of retirement planning gets overlooked? David Gagnon explores the role bonds and other fixed-income options can play in creating income, stability, and diversification as retirement approaches. He also discusses why more Americans are wo…

Could Playing It Too Safe Put Your Retirement at Risk?

Could playing it too safe with your money create a different kind of retirement risk? David Gagnon explores how balancing investment risk and long-term growth can factor into retirement planning. He also discusses planning for couples with significant age gaps, coordinating Social Security, healthc…

Is AI Hype Creating Hidden Risk in Your Retirement Portfolio?

Could AI hype be quietly increasing the risk in your retirement portfolio? David Gagnon explains why headline-driven investing can lead to costly decisions and how hidden concentration in technology stocks may be affecting diversification. He breaks down the four key areas investors should evaluate…

The Fed Raised Rates: Should Retirees Be Worried?

A Fed rate hike has investors wondering if market trouble is next, but are the headlines distracting retirees from the questions that matter most? David Gagnon explains why rising interest rates don't automatically spell disaster for stocks, how retirees can avoid costly emotional decisions, and wh…

Why Panic Can Cost More Than a Market Drop

What if the biggest threat to your retirement isn't a market crash, but the decisions you make during one? David Gagnon explores why financial anxiety is rising as inflation, market volatility, and geopolitical uncertainty weigh on investors. He discusses the risks of emotional decision-making, the…

Rising Rates, Retirement Risks, and Hidden Opportunities

Are rising Treasury yields creating hidden opportunities or unexpected risks for retirees? On this episode, David Gagnon breaks down how higher interest rates can impact stocks, bonds, income strategies, and retirement portfolios. He explores why some retirees struggle to spend confidently in retir…

Could Rolling Your Roth IRA Back Into a 401(k) Ever Make Sense?

Could a new rule change give retirees another option for managing Roth savings? On this episode, David Gagnon explains a proposed change that could allow Roth IRA assets to be rolled into workplace Roth plans and why that decision requires careful analysis. He explores the tradeoffs between consoli…

Are Taxes Costing You More Than the Market?

Are hidden taxes quietly taking a bigger bite out of your retirement than market volatility? On this episode, David Gagnon explains why retirement success is about more than investment returns. He discusses tax planning, Roth conversions, Social Security claiming strategies, healthcare costs, and t…

The Retirement Prediction Board: Which Risks Are Most Likely?

What if the biggest retirement risks aren't the ones you can predict? David Gagnan explores the retirement “prediction board,” examining how inflation, market volatility, health changes, taxes, and shifting retirement timelines can affect long-term plans. He also discusses why income planning matte…