What Retirees Should Double Check Before Filing

Tax season has a way of turning small oversights into stressful surprises. In this episode, Edgar Torres breaks down a practical tax‑season checklist designed specifically for retirees and pre‑retirees. From gathering the right 1099s to understanding how Social Security, RMDs, healthcare costs, and…

The Retirement Downhill: One Wrong Turn Can Change Everything

One wrong move near the finish line can change everything—and retirement is no different. Using the Winter Olympics as a powerful parallel, Edgar Torres explores how market volatility, taxes, and healthcare costs can derail even the most carefully built retirement plan. The conversation focuses on …

When ‘Tax Free’ Sounds Too Good to Be True

What if someone told you they could complete a Roth conversion with no taxes at all — for a hefty fee? In this episode of The Retirement Journey, Edgar Torres unpacks a cautionary story that highlights why “too good to be true” claims can be dangerous. He’ll break down how Roth conversions really w…

Are You Accidentally Setting Yourself Up for Retirement Trouble?

What if the biggest retirement risks look nothing like what you expect — even when you’ve planned well? In this episode, Edgar Torres breaks down the major roadblocks many retirees face, from entering retirement without a written plan to underestimating expenses, facing health‑care curveballs, over…

Four Financial Talks Every Couple Needs Before Retirement

What if the most important conversations in your relationship are the ones you’ve been avoiding? In this episode, Edgar Torres breaks down the four essential money talks every couple should have – especially in retirement. From navigating different spending styles to balancing risk, creating a back…

Legacy Planning: It’s Not Just for Millionaires

Is legacy planning just for the ultra-wealthy? In this episode, host and investment advisor representative, Edgar Torres of Bloom Financial Private Wealth Management breaks down why everyone needs a plan for their assets, wishes, and family harmony. Edgar shares real-life stories about the risks of…

Setting Your Financial Rudder for the New Year

How do you set the right financial course as you step into a new year? In this episode, host and investment advisor representative, Edgar Torres of Bloom Financial Private Wealth Management discusses the power of small, intentional changes in your retirement strategy. Edgar shares practical insight…

Winterize Your Wallet: Year-End Moves for 2026 Success

Is your financial plan ready for the new year, or is it stuck in last season’s routine? In this episode, Edgar Torres of Bloom Financial shares practical steps for your year-end financial checklist, from reviewing goals and topping off contributions to smart tax moves and charitable giving. Discove…

Are Your Habits Aging Your Retirement Plan?

Scrolling your phone at bedtime can age your brain—but what about the habits that age your retirement plan? In this episode, Edgar Torres of Bloom Financial breaks down the financial missteps that can sabotage your future, from waiting to save and missing company matches, to spending without a budg…

Beyond Stocks & Bonds: Exploring the Power of Structured Notes

Curious about structured notes and how they fit into your retirement plan? In this episode of The Retirement Journey Podcast, Edgar Torres breaks down the basics of structured notes—what they are, how they work, and why they might be worth considering. Learn how these customizable investments diffe…