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 costs, taxes, and long‑term stability. The discussion highlights common missteps, recent program changes, and considerations that can dramatically alter retirement outcomes for teachers, law enforcement, and government workers. Murrell also explains how pensions, Social Security timing, and benefit coordination factor into a sustainable retirement picture – and why emotional decisions near retirement can be especially costly.


Ready to build your retirement plan? Click here to connect with Murrell and the team today!

Follow us on social media: Facebook | Instagram

If you&rsquo;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 costs, taxes, and long‑term stability. The discussion highlights common missteps, recent program changes, and considerations that can dramatically alter retirement outcomes for teachers, law enforcement, and government workers. Murrell also explains how pensions, Social Security timing, and benefit coordination factor into a sustainable retirement picture &ndash; and why emotional decisions near retirement can be especially costly.
 Ready to build your retirement plan? Click&nbsp;<a href="https://calendly.com/sleepwellatnight/30min">here</a> to connect with Murrell and the team today!
Follow us on social media: <a href="https://www.facebook.com/SWANRetirementStrategies">Facebook</a> | <a href="https://www.instragram.com/swanretirementstrategies">Instagram</a>

It’s never too early – or too late – to get informed about sound financial planning. Murrell Winter hosts “The Florida Retirement Podcast,” which covers the wide array of topics that should be considered when mapping out a road to retirement or a wealth management strategy. Investment, 401(k) rollovers, legacy planning, and many topics in-between will be visited with new episodes posted weekly. Stay up to date on the ever-changing economic landscape and get informed by a financial professional to increase your confidence in building the future you envision for yourself.

It&rsquo;s never too early &ndash; or too late &ndash; to get informed about sound financial planning. Murrell Winter hosts &ldquo;The Florida Retirement Podcast,&rdquo; which covers the wide array of topics that should be considered when mapping out a road to retirement or a wealth management strategy. Investment, 401(k) rollovers, legacy planning, and many topics in-between will be visited with new episodes posted weekly. Stay up to date on the ever-changing economic landscape and get informed by a financial professional to increase your confidence in building the future you envision for yourself.

The Florida Retirement Podcast

The DROP Program: One Decision That Can Change a Florida Retirement

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 patience can outweigh prediction, how diversification supports staying retired, and why emotional reactions often derail otherwise solid plans. From market volatility and timing myths to the value of steady decision-making, Murrell connects Buffett’s philosophy to real-world retirement planning. The discussion also touches on financial education gaps and how early habits can shape lifelong outcomes.


Ready to build your retirement plan? Click here to connect with Murrell and the team today!

Follow us on social media: Facebook | Instagram

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 patience can outweigh prediction, how diversification supports staying retired, and why emotional reactions often derail otherwise solid plans. From market volatility and timing myths to the value of steady decision-making, Murrell connects Buffett&rsquo;s philosophy to real-world retirement planning. The discussion also touches on financial education gaps and how early habits can shape lifelong outcomes.
 Ready to build your retirement plan? Click&nbsp;<a href="https://calendly.com/sleepwellatnight/30min">here</a> to connect with Murrell and the team today!
Follow us on social media: <a href="https://www.facebook.com/SWANRetirementStrategies">Facebook</a> | <a href="https://www.instragram.com/swanretirementstrategies">Instagram</a>

Why Time, Not Timing, Defined Warren Buffett’s Investing Legacy

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. Using real‑world examples and even lessons from financial history, Murrell explains how inflation quietly erodes wealth and why holding too much cash can create a false sense of security. The conversation explores smarter ways to position money so it stays flexible, productive, and aligned with long‑term goals, including enhanced money markets, fixed strategies, and growth assets. A thoughtful discussion for anyone questioning whether their money is truly working for them.

Ready to build your retirement plan? Click here to connect with Murrell and the team today!

Follow us on social media: Facebook | Instagram

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&mdash;cash sitting in banks, low‑yield accounts, or underperforming assets that lose purchasing power to inflation. Using real‑world examples and even lessons from financial history, Murrell explains how inflation quietly erodes wealth and why holding too much cash can create a false sense of security. The conversation explores smarter ways to position money so it stays flexible, productive, and aligned with long‑term goals, including enhanced money markets, fixed strategies, and growth assets. A thoughtful discussion for anyone questioning whether their money is truly working for them.
Ready to build your retirement plan? Click&nbsp;<a href="https://calendly.com/sleepwellatnight/30min">here</a> to connect with Murrell and the team today!
Follow us on social media: <a href="https://www.facebook.com/SWANRetirementStrategies">Facebook</a> | <a href="https://www.instragram.com/swanretirementstrategies">Instagram</a>

Dead Money: The Hidden Cost of Doing Nothing

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 falling interest rates, inflation’s impact on purchasing power, income planning for the peak‑65 retirement wave, and the role of diversification beyond stocks alone. Murrell also breaks down common misconceptions around annuities, health care and long‑term care planning, and the growing influence—and risks—of AI and social media in financial advice. A timely discussion for anyone reassessing their strategy in a rapidly changing financial landscape.

Ready to build your retirement plan? Click here to connect with Murrell and the team today!

Follow us on social media: Facebook | Instagram

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 falling interest rates, inflation&rsquo;s impact on purchasing power, income planning for the peak‑65 retirement wave, and the role of diversification beyond stocks alone. Murrell also breaks down common misconceptions around annuities, health care and long‑term care planning, and the growing influence&mdash;and risks&mdash;of AI and social media in financial advice. A timely discussion for anyone reassessing their strategy in a rapidly changing financial landscape.
Ready to build your retirement plan? Click&nbsp;<a href="https://calendly.com/sleepwellatnight/30min">here</a> to connect with Murrell and the team today!
Follow us on social media: <a href="https://www.facebook.com/SWANRetirementStrategies">Facebook</a> | <a href="https://www.instragram.com/swanretirementstrategies">Instagram</a>

The DROP Program: One Decision That Can Change a Florida Retirement

The Florida Retirement Podcast

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