Are the Markets Up or Down? Why the Headlines Don’t Matter.

Conflicting headlines claim the market is rising and falling at the same time—so how do you stay steady when the noise gets loud? On this episode, Gary Garner and Vicki Miller break down why retirement success depends less on prediction and more on planning. They explore milestone ages, RMD realiti…

The Retirement Math That Changes Everything

Discover why the simplest decisions in retirement—like when to claim Social Security or how to handle rising healthcare costs—can have the biggest impact. Gary Garner and Vicki Miller break down the math behind creating steady income, navigating Medicare, and preparing for longevity. From managing …

Can Your Retirement Pay You Like a Hit Song?

Ever wondered how Mariah Carey's holiday royalties relate to your retirement income? Discover how to build repeatable, reliable income streams for your golden years, just like a hit song that keeps paying out. Hosts Gary Garner and Vicki Miller break down strategies for maximizing retirement income…

Retirement’s Hidden Costs: What You Don’t Know About Medicare Premiums

Are you ready for retirement’s biggest surprises? Discover how your income today can impact your Medicare premiums years later, why “spendophobia” keeps retirees from enjoying their savings, and how the great wealth transfer is reshaping family legacies. Hosts Gary Gardner and Vicki Miller share re…

Retire Your Way: Secrets to Maximizing Social Security and Income

Are you ready to rethink retirement and discover the surprising math behind your financial future? This episode dives into how Social Security, pensions, and healthcare costs shape your retirement lifestyle. Hosts Gary Gardner and Vicki Miller break down the real numbers, share stories from the “sa…

The Great Wealth Transfer: Are You Ready?

Are you risking too much for retirement, or missing out on growth? This episode dives into the realities of market investing, the “Great Wealth Transfer,” and why women are poised to control more wealth than ever. Hosts Gary Garner and Vicki Miller break down how to balance risk, preserve savings, …

Don’t Let Headlines Hijack Your Retirement: Plan Your Way

Are you letting headlines dictate your retirement strategy? Discover why tuning out market noise and focusing on long-term goals is the key to retiring your way. Hosts Gary Garner and Vicki Miller break down milestone ages, required minimum distributions, and the impact of inflation—sharing real st…

Gary Garner Gives Retirement Advice with Dan & Dalton on FM Talk 106.5

What if your retirement plan could weather every storm—financial, health, and the unexpected? In this episode, Gary Garner shares candid insights with FM Talk 106.5 morning show host Dan Brennan & Dalton Orwig on preparing for retirement, from the realities of income planning and market volatility …

Don’t Let a Market Crash Derail Your Dreams

What if your retirement plan was upended overnight? In this episode, Gary Garner and Vicki Miller reveal how sudden changes—like job loss or market crashes—can reshape your financial future. Discover why starting early, diversifying investments, and reviewing your income are crucial for retiring yo…

Interest Rates Are Dropping—Is Your Retirement Plan Safe?

Are you ready for the unpredictable twists of retirement spending? Discover why budgeting for your golden years is anything but straightforward, and learn how interest rate changes, market volatility, and unexpected expenses can reshape your financial future. Gary Garner and Vicki Miller share real…