The Retirement Tax Trap: Why You Might Not Be in a Lower Bracket

Think you will automatically land in a lower tax bracket once you retire? Steve Aul breaks down why that myth only applies to a fraction of retirees and how unexpected expenses like Required Minimum Distributions (RMDs) and Medicare IRMAA surcharges can catch you off guard. Beyond crunching the num…

Building the Ark Before It Rains: Inside the Mechanics of Market Guard

What if your investment portfolio was built before the storm hit, rather than patched together as the waters rise? In this episode of the Aul Financial Hour, host Steve Aul sits down with Chief Investment Officer Brad Jenkins to break down the mechanics of Market Guard. Discover how a methodical, m…

Locking In Gains Before the Market Shift

Market volatility and looming elections create immediate uncertainty for your retirement portfolio. In this episode of the Aul Financial Hour Podcast, Steve Aul breaks down how to lock in market gains, navigate required minimum distributions (RMDs), and rethink portfolio diversification when intere…

The Human Factor in Financial Planning: Overcoming AI Risks and Market Shifts

Market shifts can transform your portfolio overnight—especially as Wall Street moves toward 24-hour trading. On this episode of the Aul Financial Hour, host Steve Aul breaks down the hidden risks of round-the-clock market volatility and reveals why human guidance outshines AI when securing your fin…

The Hidden Risk of Retirement: Are You Spending Too Little?

While rising Treasury rates and market shifts create mixed signals for the economy, retirees often miss the bigger picture when securing their financial future. Host Steve Aul tackles shifting interest rates, fixed index annuities, and the psychological impact of inflation on retirees. Beyond the n…

What If You Retire Without a Plan for Replacing Your Paycheck?

What if the biggest retirement mistake is not knowing how you'll replace your paycheck? Steve Aul breaks down why income planning can shape your confidence in retirement, from identifying income gaps and building sustainable withdrawal strategies to understanding annuities beyond the common misconc…

The Retirement Tax Bill Nobody Sees Coming

How much of your retirement savings actually belongs to you, and how much may be owed to taxes? On this episode, Steve Aul discusses the often-overlooked impact of taxes on retirement income, why Social Security timing is not a one-size-fits-all decision, and how guaranteed income strategies fit in…

Why Retirees Spend Differently Depending on Where Their Income Comes From

What if the way your retirement income arrives changes how confidently you spend it? This episode explores the difference between drawing from savings and receiving steady retirement income, and why that distinction can shape spending habits. Steve Aul discusses guaranteed income strategies, common…

Are Retirees the Next Big Market Risk?

Could the biggest retirement risk be hiding in plain sight, even as markets continue to climb? Steve Aul examines how retiring baby boomers, changing investor behavior, and longer life expectancies are reshaping retirement planning. He discusses market volatility, the importance of balancing growth…

Warren Buffett Moved Billions to Cash. Should You?

What happens when playing it safe in retirement creates a different kind of risk? Steve Aul explores why moving everything to cash after retirement may not be the best answer, discussing inflation, portfolio growth, protected income strategies, and managing market volatility. He also covers charita…