Could one retirement tax decision today affect what you pay for Medicare tomorrow? Dan Groben and Phil Menard discuss year-end tax planning, including required minimum distributions, Roth conversions, and the potential impact of IRMAA surcharges. They explain why delaying a first RMD could result in two taxable distributions the following year and how additional income may affect Medicare Part B and Part D costs. Plus, they explore how Roth conversions can fit into a broader strategy for managing taxable retirement income.

Connect with Dan & Phil at Servant Advisors Group

Could one retirement tax decision today affect what you pay for Medicare tomorrow? Dan Groben and Phil Menard discuss year-end tax planning, including required minimum distributions, Roth conversions, and the potential impact of IRMAA surcharges. They explain why delaying a first RMD could result in two taxable distributions the following year and how additional income may affect Medicare Part B and Part D costs. Plus, they explore how Roth conversions can fit into a broader strategy for managing taxable retirement income.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

Could Your Retirement Income Trigger a Medicare Surprise?

Turning 70 can bring financial decisions that may reshape the next chapter of retirement. Dan Groben and Phil Menard discuss preparing for required minimum distributions, managing potential tax surprises, and reviewing investment allocations. They also explore Roth conversions, realistic retirement spending, qualified charitable distributions, estate planning, and the importance of continually stress-testing a retirement strategy as life and expenses change.

Connect with Dan & Phil at Servant Advisors Group

Turning 70 can bring financial decisions that may reshape the next chapter of retirement. Dan Groben and Phil Menard discuss preparing for required minimum distributions, managing potential tax surprises, and reviewing investment allocations. They also explore Roth conversions, realistic retirement spending, qualified charitable distributions, estate planning, and the importance of continually stress-testing a retirement strategy as life and expenses change.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

The Retirement Tax Surprises You Don’t Want at 70

Could playing it too safe actually put your retirement plan at risk? Dan Groben and Phil Menard to explore how fear can influence investment decisions, why overly conservative portfolios may struggle to keep pace with retirement income needs, and how interest rate risk can affect investments often viewed as safe. They also discuss balancing growth needs with personal risk tolerance and the importance of stress-testing a retirement strategy for the road ahead.

Connect with Dan & Phil at Servant Advisors Group

Could playing it too safe actually put your retirement plan at risk? Dan Groben and Phil Menard to explore how fear can influence investment decisions, why overly conservative portfolios may struggle to keep pace with retirement income needs, and how interest rate risk can affect investments often viewed as safe. They also discuss balancing growth needs with personal risk tolerance and the importance of stress-testing a retirement strategy for the road ahead.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

Can You Be Too Conservative in Retirement?

Ignoring a single Medicare notice could leave some retirees paying thousands more for prescription coverage. Dan Groben and Phil Menard discuss why so many Medicare beneficiaries automatically renew their coverage without reviewing yearly changes. They explain how Part D drug plans, deductibles, formularies, and premiums can shift from year to year, why the lowest monthly premium is not always the lowest overall cost, and how healthcare expenses fit into a broader retirement strategy. The conversation also highlights Medicare open enrollment and the importance of reviewing coverage before making annual decisions.

Connect with Dan & Phil at Servant Advisors Group

Ignoring a single Medicare notice could leave some retirees paying thousands more for prescription coverage. Dan Groben and Phil Menard discuss why so many Medicare beneficiaries automatically renew their coverage without reviewing yearly changes. They explain how Part D drug plans, deductibles, formularies, and premiums can shift from year to year, why the lowest monthly premium is not always the lowest overall cost, and how healthcare expenses fit into a broader retirement strategy. The conversation also highlights Medicare open enrollment and the importance of reviewing coverage before making annual decisions.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

Could Auto-Renewing Your Medicare Plan Cost You More?

What happens if a market downturn strikes just as you're relying on your retirement savings for income? Dan Groben and Phil Menard of Servant Advisors Group discuss how retirees can manage market volatility, inflation concerns, and bull market uncertainty without letting fear drive decisions. They explain why income planning matters, how portfolio allocation can impact long-term outcomes, and the risks of withdrawing from investments during a downturn. The conversation also highlights the importance of understanding what you're invested in and stress-testing your retirement strategy before leaving the workforce.

Connect with Dan & Phil at Servant Advisors Group

What happens if a market downturn strikes just as you're relying on your retirement savings for income? Dan Groben and Phil Menard of Servant Advisors Group discuss how retirees can manage market volatility, inflation concerns, and bull market uncertainty without letting fear drive decisions. They explain why income planning matters, how portfolio allocation can impact long-term outcomes, and the risks of withdrawing from investments during a downturn. The conversation also highlights the importance of understanding what you're invested in and stress-testing your retirement strategy before leaving the workforce.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

Is Your Portfolio Ready for the Next Downturn?

A single financial decision today could cost you hundreds of thousands of dollars in retirement. In this episode, Dan Groben and Phil Menard discuss retirement mistakes that can be difficult, or impossible, to reverse. They explore the long-term impact of early 401(k) withdrawals, oversized Roth conversions, Medicare surcharges, and financial decisions made during periods of grief. The conversation also highlights the importance of estate planning, account organization, and having the right documents in place before unexpected life events occur.

Connect with Dan & Phil at Servant Advisors Group

A single financial decision today could cost you hundreds of thousands of dollars in retirement. In this episode, Dan Groben and Phil Menard discuss retirement mistakes that can be difficult, or impossible, to reverse. They explore the long-term impact of early 401(k) withdrawals, oversized Roth conversions, Medicare surcharges, and financial decisions made during periods of grief. The conversation also highlights the importance of estate planning, account organization, and having the right documents in place before unexpected life events occur.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

The Retirement Mistakes You Can't Take Back

Are you enjoying retirement less because you're afraid to spend the money you've worked so hard to save? Dan Groben and Phil Menard discuss why many retirees underspend despite having sufficient resources. They explore common warning signs, how inflation can distort perceptions about financial security, and the value of a personalized retirement plan that accounts for spending goals, travel, gifts, taxes, risk tolerance, and market volatility. The conversation highlights how ongoing plan reviews can help retirees stay confident about enjoying the retirement lifestyle they envisioned.

Connect with Dan & Phil at Servant Advisors Group

Are you enjoying retirement less because you're afraid to spend the money you've worked so hard to save? Dan Groben and Phil Menard discuss why many retirees underspend despite having sufficient resources. They explore common warning signs, how inflation can distort perceptions about financial security, and the value of a personalized retirement plan that accounts for spending goals, travel, gifts, taxes, risk tolerance, and market volatility. The conversation highlights how ongoing plan reviews can help retirees stay confident about enjoying the retirement lifestyle they envisioned.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

Are You Too Scared to Spend in Retirement?

On this episode of the Retirement Results Podcast, Dan Groben and Phil Menard discuss why a retirement plan should create flexibility, not just follow a rigid roadmap. Using comments from NFL quarterback Josh Allen about preparing for life after football, they explore building financial margin, planning for unexpected health expenses, creating reliable retirement income, and maintaining access to assets for future opportunities. They also share a real-world example of how thoughtful planning helped a retiree protect wealth while pursuing a new lifestyle goal.

Connect with Dan & Phil at Servant Advisors Group

On this episode of the Retirement Results Podcast, Dan Groben and Phil Menard discuss why a retirement plan should create flexibility, not just follow a rigid roadmap. Using comments from NFL quarterback Josh Allen about preparing for life after football, they explore building financial margin, planning for unexpected health expenses, creating reliable retirement income, and maintaining access to assets for future opportunities. They also share a real-world example of how thoughtful planning helped a retiree protect wealth while pursuing a new lifestyle goal.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

What Josh Allen Gets Right About Retirement Planning

What if the biggest threat to your retirement isn’t market volatility, but taxes quietly reducing your wealth year after year? Dan Groben and Phil Menard discuss why tax planning should begin long before retirement, the difference between tax preparation and tax strategy, and how tools like Roth conversions, tax-efficient withdrawals, and healthcare planning fit into a comprehensive retirement plan. They also explain how small financial decisions can create larger tax consequences and why retirees often have more control over their tax situation than they realize.

Connect with Dan & Phil at Servant Advisors Group

What if the biggest threat to your retirement isn&rsquo;t market volatility, but taxes quietly reducing your wealth year after year? Dan Groben and Phil Menard discuss why tax planning should begin long before retirement, the difference between tax preparation and tax strategy, and how tools like Roth conversions, tax-efficient withdrawals, and healthcare planning fit into a comprehensive retirement plan. They also explain how small financial decisions can create larger tax consequences and why retirees often have more control over their tax situation than they realize.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

The Retirement Risk Most People Never See Coming

What if the biggest threat to your retirement portfolio isn’t market volatility itself, but the emotional decisions it can trigger? Dan Groben speaks with special guest Brad Jenkins, Chief Investment Officer of MarketGuard, to discuss managing risk before market downturns occur. They explore why a handful of stocks can distort market performance, the importance of having a strategy built for retirement, and how a disciplined, rules-based investment approach may help reduce emotional investing. The conversation also covers tax-loss harvesting and ways retirees can think about keeping more of their savings working for them.

Connect with Dan & Phil at Servant Advisors Group

What if the biggest threat to your retirement portfolio isn&rsquo;t market volatility itself, but the emotional decisions it can trigger? Dan Groben speaks with special guest Brad Jenkins, Chief Investment Officer of MarketGuard, to discuss managing risk before market downturns occur. They explore why a handful of stocks can distort market performance, the importance of having a strategy built for retirement, and how a disciplined, rules-based investment approach may help reduce emotional investing. The conversation also covers tax-loss harvesting and ways retirees can think about keeping more of their savings working for them.
Connect with Dan &amp; Phil at&nbsp;<a href="https://servantadvisors.com/contact/">Servant Advisors Group</a>

What Happens When Emotions Drive Your Investment Decisions?

Struggling to get the facts about your retirement plan? Do you need a source that doesn’t beat around the bush? Find the results you need with the “Retirement Results Podcast.”

With the “Retirement Results Podcast,” hosted by Dan Groben and Phil Menard of Servant Advisors Group, you’ll get the straight talk and valuable insight you need to craft your ideal retirement. From analyses of current financial trends to lighthearted and informed looks at the retirement news of the day, the “Retirement Results Podcast” is your next must-hear show. Listen and subscribe today!

Struggling to get the facts about your retirement plan? Do you need a source that doesn&rsquo;t beat around the bush? Find the results you need with the &ldquo;Retirement Results Podcast.&rdquo;
With the &ldquo;Retirement Results Podcast,&rdquo; hosted by Dan Groben and Phil Menard of Servant Advisors Group, you&rsquo;ll get the straight talk and valuable insight you need to craft your ideal retirement. From analyses of current financial trends to lighthearted and informed looks at the retirement news of the day, the &ldquo;Retirement Results Podcast&rdquo; is your next must-hear show. Listen and subscribe today!

Retirement Results Podcast

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