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…

From Brisket to Bloom: Edgar Torres’ Retirement Recipe

What inspires someone to help thousands bloom financially? In this episode, Edgar Torres shares his journey from guiding teachers and public servants through pension benefits to helping families and business owners build futures that fit their lives. Discover how Edgar’s personal story shaped his a…

Not Your Average Buffet: What ETFs Really Bring to the Table

What do Indian food, salsa, and investment portfolios have in common? In this flavorful episode of The Retirement Journey, Edgar Torres tackles the world of alternative investments using relatable analogies and real-life stories. From ETFs to asset classes, Edgar breaks down how diversification isn…

From Grudge Buy to Lifeline: Rethinking Life Insurance

What if the most overlooked financial tool could be the one that saves your family from crisis? In this episode of The Retirement Journey, Edgar Torres, founder of Bloom Financial, unpacks the emotional and practical sides of life insurance. From common misconceptions to flexible coverage options f…

Retirement Isn’t a Weekend—It’s a Wake-Up Call

Is retirement really just one long weekend—or a financial minefield in disguise? In this episode of The Retirement Journey, Kacey sits down with Edgar Torres of Bloom Financial to unpack five costly mistakes retirees often make: overspending, ignoring inflation, underestimating medical expenses, cl…

Brisket, Pickleball & Planning: Rethinking Your Retirement Strategy

What if retirement isn’t about slowing down—but rewiring your life? In this episode of The Retirement Journey, financial advisor Edgar Torres breaks down the real cost of retirement, from inflation and taxes to healthcare and hidden lifestyle expenses. Learn why planning isn’t just about a number—i…

Common Mistakes in Tax Strategies

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 fo…

Navigating Financial Red Flags in Retirement

On this episode of The Retirement Journey Podcast, Edgar discusses critical financial red flags that retirees should be aware of. They explore the importance of having a solid income plan, understanding spending habits, and recognizing potential scams targeting retirees. The conversation emphasizes…