On this episode of The Retirement Journey Podcast, Edgar discusses essential tax strategies for retirement, focusing on tax deferral and tax mitigation. They clarify the differences between these concepts, highlight common mistakes individuals make in tax planning, and share effective strategies for both individuals and business owners. Edgar provides insights into real-life success stories and emphasizes the importance of having a long-term tax strategy, including the benefits of HSAs and Roth conversions.

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

On this episode of The Retirement Journey Podcast, Edgar discusses essential tax strategies for retirement, focusing on tax deferral and tax mitigation. They clarify the differences between these concepts, highlight common mistakes individuals make in tax planning, and share effective strategies for both individuals and business owners. Edgar provides insights into real-life success stories and emphasizes the importance of having a long-term tax strategy, including the benefits of HSAs and Roth conversions.
Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click&nbsp;<a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Welcome to ‘The Retirement Journey,’ featuring Edgar Torres of Bloom Financial Private Wealth Management!Join us each week as we dive into the wide world of financial planning. Saving and building for your future involves much more than tracking the bottom line of an account every month. With each episode, Edgar and co-host Kacey Biddy discuss current topics including daily finances, retirement planning, investment strategy, and building a lasting legacy. ‘The Retirement Journey’ is available wherever you find your favorite podcasts and is ready to keep you confident and informed about wherever your financial future is taking you.

Welcome to &lsquo;The Retirement Journey,&rsquo; featuring Edgar Torres of Bloom Financial Private Wealth Management! Join us each week as we dive into the wide world of financial planning. Saving and building for your future involves much more than tracking the bottom line of an account every month. With each episode, Edgar and co-host Kacey Biddy discuss current topics including daily finances, retirement planning, investment strategy, and building a lasting legacy. &lsquo;The Retirement Journey&rsquo; is available wherever you find your favorite podcasts and is ready to keep you confident and informed about wherever your financial future is taking you.

The Retirement Journey

Common Mistakes in Tax Strategies

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. Discover how annual financial “winterizing” can help you avoid costly mistakes and set yourself up for success in 2026. With relatable food analogies and actionable advice, this conversation makes financial chores feel less daunting—and more rewarding.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Is your financial plan ready for the new year, or is it stuck in last season&rsquo;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. Discover how annual financial &ldquo;winterizing&rdquo; can help you avoid costly mistakes and set yourself up for success in 2026. With relatable food analogies and actionable advice, this conversation makes financial chores feel less daunting&mdash;and more rewarding.
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Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Winterize Your Wallet: Year-End Moves for 2026 Success

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 budget and underestimating retirement costs. Discover how everyday choices, like borrowing from your 401(k) or relying only on pre-tax accounts, can impact your nest egg. Packed with relatable analogies and practical insights, this conversation will help you spot—and stop—bad habits before they derail your retirement.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

Scrolling your phone at bedtime can age your brain&mdash;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 budget and underestimating retirement costs. Discover how everyday choices, like borrowing from your 401(k) or relying only on pre-tax accounts, can impact your nest egg. Packed with relatable analogies and practical insights, this conversation will help you spot&mdash;and stop&mdash;bad habits before they derail your retirement.
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Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516

Are Your Habits Aging Your Retirement Plan?

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 differ from stocks and bonds, what risks to watch for, and how to avoid common mistakes. Edgar shares practical examples and insights to help you decide if structured notes belong in your portfolio. If you’re seeking new ways to preserve wealth and add flexibility to your retirement strategy, this episode is packed with clarity and actionable ideas.

 

Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we’re here to listen and help provide the support you need. Click here to schedule appointment or call 512-710-5516

 

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&mdash;what they are, how they work, and why they might be worth considering. Learn how these customizable investments differ from stocks and bonds, what risks to watch for, and how to avoid common mistakes. Edgar shares practical examples and insights to help you decide if structured notes belong in your portfolio. If you&rsquo;re seeking new ways to preserve wealth and add flexibility to your retirement strategy, this episode is packed with clarity and actionable ideas.
&nbsp;
Whether you have questions, need assistance, or want to explore how we can help you achieve your financial goals, we&rsquo;re here to listen and help provide the support you need. Click <a href="https://bloomfinservices.com/contact/">here</a> to schedule appointment or call 512-710-5516
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Common Mistakes in Tax Strategies

The Retirement Journey

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