



RMDs Explained: What the IRS Doesn’t Want You to Miss
Turning 73 may come with more than candles—it can trigger tax rules that reshape your retirement income. In this episode of The Florida Retirement Podcast, Murrell Winter breaks down Required Minimum Distributions (RMDs), explaining why they exist and how they impact taxes, Medicare costs, and long…

Annuities: Smart Strategy or Costly Mistake?
Annuities spark strong opinions—but are they misunderstood, misused, or simply poorly explained? In this episode of Florida Retirement, financial advisor Murrell Winter breaks down what annuities actually are, why they’ve earned such a polarizing reputation, and how they can fit alongside other ret…

The Retirement Conversation Most Couples Avoid
Most couples spend less than 30 minutes a week in real conversation—so when do they actually talk about retirement? In this episode of Florida Retirement, financial advisor Murrell Winter explores why open money conversations between spouses matter more than ever. He discusses aligning risk tolera…

Why Inflation Feels Worse Than the Headlines Suggest
Inflation is showing up everywhere—but the real impact often shows up long after retirement begins. In this episode of The Florida Retirement Podcast, Murrell Winter breaks down what inflation is, why it happens, and why it poses one of the biggest risks to retirees living on fixed income. The conv…

What Retirees Need to Review Before Filing Taxes
Tax season can feel overwhelming for retirees—especially when missed details lead to costly surprises. In this episode of The Florida Retirement Podcast, Murrell Winter breaks down what retirees should focus on during tax season, from gathering the right forms to understanding required minimum dist…

The DROP Program: One Decision That Can Change a Florida Retirement
If you’re a Florida public employee, the decisions you make before retirement can carry six‑ or seven‑figure consequences. In this episode of the Florida Retirement Podcast, Murrell Winter breaks down how the DROP program and the Florida Retirement System intersect with income planning, health care…

Why Time, Not Timing, Defined Warren Buffett’s Investing Legacy
Warren Buffett may be stepping back, but his investing mindset feels more relevant than ever. In this episode of the Florida Retirement Podcast, Murrell Winter explores what decades of disciplined investing reveal about time, temperament, and long-term thinking. The conversation breaks down why pat…

Dead Money: The Hidden Cost of Doing Nothing
What if the cash you trust most is slowly working against you? In this episode of the Florida Retirement Podcast, financial advisor Murrell Winter breaks down the hidden risks of dead money—cash sitting in banks, low‑yield accounts, or underperforming assets that lose purchasing power to inflation.…

Starting 2026 on the Right Financial Foot
How do you make smart financial moves when interest rates are shifting, inflation looms, and retirement is closer than ever? In this episode, financial advisor Murrell Winter takes a wide‑angle look at what retirees and pre‑retirees should be thinking about as 2026 begins. The conversation covers f…

Break These Bad Money Habits Before They Break Your Future
Scrolling before bed can age your brain—and ignoring financial bad habits can age your retirement plan. In this episode, financial advisor Murrell Winter reveals the common money missteps that quietly sabotage your nest egg, from delaying savings and missing employer matches to borrowing from retir…