Small Habits, Big Impact: The Psychology of Retirement Planning

What does returning your shopping cart say about your retirement plan? In this episode of The Retirement Journey, Edgar Torres explores how small, everyday behaviors can reflect the discipline needed for long-term financial success. He discusses how consistent habits, intentional planning, and shor…

Key Variables That Shape When to Claim Social Security

Once you claim Social Security, there’s no rewind button. In this episode of the Retirement Journey Podcast, Edgar Torres breaks down the key factors that shape when and how someone might choose to claim Social Security benefits. He walks through the three main claiming options, explores how workin…

When Work Stops Feeling Worth It: Subtle Signs Retirement Is on Your Mind

Sometimes the clearest sign that retirement is getting closer has nothing to do with a spreadsheet. In this episode of the Retirement Journey Podcast, Edgar Torres explores the emotional and psychological signals that often surface well before someone officially steps away from work. He discusses h…

Is Your Retirement Really Double Stuffed? Expectations vs. Reality

What if retirement turns out to be less “double‑stuffed” than you expected? In this episode, Edgar Torres explores the gap between expectations and reality in retirement planning—using a surprising Oreo analogy to spark a deeper conversation. Together, they unpack common misconceptions around Socia…

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…