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 work, common red flags when talking with advisors, and why transparency around taxes and fees matters. The conversation focuses on understanding what’s legitimate, what’s not, and how asking the right questions can help you make more informed retirement planning decisions.


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

What if someone told you they could complete a Roth conversion with no taxes at all &mdash; for a hefty fee? In this episode of&nbsp;The Retirement Journey, Edgar Torres unpacks a cautionary story that highlights why &ldquo;too good to be true&rdquo; claims can be dangerous. He&rsquo;ll break down how Roth conversions really work, common red flags when talking with advisors, and why transparency around taxes and fees matters. The conversation focuses on understanding what&rsquo;s legitimate, what&rsquo;s not, and how asking the right questions can help you make more informed retirement planning decisions.
 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

When ‘Tax Free’ Sounds Too Good to Be True

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, overlooking taxes, and relying on just one income source. Using real‑world examples — including why 60% of NBA players go broke after retirement — Edgar explains how everyday retirees can encounter similar pitfalls. He also shares how shifting from employer‑guided decisions to managing everything yourself can create unexpected stress, and why diversified income streams and thoughtful planning matter more than ever.


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

What if the biggest retirement risks look nothing like what you expect &mdash; even when you&rsquo;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, overlooking taxes, and relying on just one income source. Using real‑world examples &mdash; including why 60% of NBA players go broke after retirement &mdash; Edgar explains how everyday retirees can encounter similar pitfalls. He also shares how shifting from employer‑guided decisions to managing everything yourself can create unexpected stress, and why diversified income streams and thoughtful planning matter more than ever.
 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

Are You Accidentally Setting Yourself Up for Retirement Trouble?

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 backup plan, and ensuring both partners understand the long‑term financial picture, Edgar shares practical ways to strengthen communication and reduce confusion during life’s most challenging moments. He also explains why many surviving spouses feel disconnected from their advisor and how couples can stay equally engaged. This conversation brings clarity, empathy, and a fresh perspective to building a unified financial future.



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

What if the most important conversations in your relationship are the ones you&rsquo;ve been avoiding? In this episode, Edgar Torres breaks down the four essential money talks every couple should have &ndash; especially in retirement. From navigating different spending styles to balancing risk, creating a backup plan, and ensuring both partners understand the long‑term financial picture, Edgar shares practical ways to strengthen communication and reduce confusion during life&rsquo;s most challenging moments. He also explains why many surviving spouses feel disconnected from their advisor and how couples can stay equally engaged. This conversation brings clarity, empathy, and a fresh perspective to building a unified financial future. 
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

Four Financial Talks Every Couple Needs Before Retirement

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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 skipping a will, the importance of updating beneficiaries, and how blended families and verbal agreements can complicate inheritance. Discover the difference between wills and trusts, the role of financial advisors and attorneys, and how technology and AI are changing estate planning. Whether you’re starting from scratch or updating your plan, this conversation offers practical steps for protecting your legacy.

 

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 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 skipping a will, the importance of updating beneficiaries, and how blended families and verbal agreements can complicate inheritance. Discover the difference between wills and trusts, the role of financial advisors and attorneys, and how technology and AI are changing estate planning. Whether you&rsquo;re starting from scratch or updating your plan, this conversation offers practical steps for protecting your legacy.
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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

When ‘Tax Free’ Sounds Too Good to Be True

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