The Retirement Reality Report

Retirement decisions don’t happen in a vacuum—and pensions, Social Security, and taxes rarely line up the same way twice. The Linskys walk through real retirement scenarios that show why understanding your options matters more than following old rules of thumb. From choosing between pension payouts to deciding when income actually needs to start, this episode highlights how flexibility, timing, and personal goals shape smarter retirement outcomes. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What if your tax bill in retirement is shaped more by the rules you don’t know than the ones you do? In this episode, The Linsky Family breaks down the newest tax‑code changes affecting retirees in 2026 — from expanded deductions and senior tax breaks to Social Security taxation, IRMAA considerations, Minnesota Care rules, and smarter ways to give charitably. They explain how income levels influence disappearing advantages and why proactive planning matters long before filing season begins. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What happens when interest rates fall but markets keep climbing? In this episode, the Linsky family breaks down how retirees can adapt as yields shift, tax rules change, and income needs evolve. They explain why covering your income gap is the foundation of any retirement plan, how bond laddering works when rates drop, and why fixed annuities may offer stability when markets wobble. With clear explanations across different retirement phases, this conversation helps listeners think through where income should come from—and how to stay flexible as conditions change. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What if the “magic number” for needing a will or trust is far lower than you think? Marc, Dylan, and David Linsky explore why estate planning isn’t just for the ultra‑wealthy and how goals, assets, and legacy wishes shape the right plan. They share real‑world examples, including how charitable tools and tax strategies can work together, and explain what to expect in an initial consultation. It’s a clear look at why understanding who you are matters just as much as what you own when preparing for the future. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What if you didn’t have to choose between steady income and long‑term growth in retirement? Marc, Dylan, and David Linsky break down how a balanced plan—mixing liquidity, protected income, and growth—helps retirees navigate spending needs without constantly selling stock. They explore why first‑year retirement costs often surprise people, how annuities can support cash flow, and why thoughtful planning prevents panic‑driven decisions. With real‑world client examples, this episode highlights how structure and strategy shape a more confident retirement experience. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What if the year you retire matters more than the size of your portfolio? In this episode, the Linskys break down how market cycles, sequence‑of‑returns risk, and emotional reactions to headlines can create dramatically different retirement outcomes. They explore why relying on timing is unreliable, how structured income planning can help navigate volatility, and the role taxes play when every withdrawal counts. Through clear examples and practical insights, they highlight why intention—not impulse—shapes stronger long‑term financial decision‑making. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Are you stuck in analysis paralysis with your retirement savings? This episode explores why leaving money idle in employer plans or cash can undermine your financial future. Discover how asset allocation, income strategies, and careful tax planning—like Roth conversions—can help retirees navigate complex choices, avoid costly mistakes, and adapt to changing needs in retirement. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Could a simple mistake cost you thousands in retirement? Marc Linsky and family reveal how overlooked details—from weak passwords to poor tax management—can derail your financial future. Learn why a tailored plan, intentional asset allocation, and expert guidance are essential for navigating inflation, market swings, and tax traps. Discover how to avoid common pitfalls and secure your legacy with confidence.     To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Could one financial move today impact your Medicare premiums—and your family’s inheritance—years from now? The Linsky family unpacks the hidden connections between Roth conversions, taxes, and legacy planning, revealing how a single decision can ripple through your retirement. Learn why seeing the whole picture matters when it comes to protecting your wealth and your loved ones.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Ready for retirement? One decision flips your financial world upside down. Marc and David Linsky reveal how changing tax codes, income sources, and longevity risks can reshape your retirement strategy. Learn why personalized planning matters, how to navigate Social Security timing, and ways to avoid common pitfalls like unnecessary taxes and income gaps. This episode delivers practical insights for building a flexible, multi-phase retirement plan that adapts as your needs evolve.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Are you ready for the real challenges that come after reaching your retirement summit? Marc and David Linsky reveal why the descent—managing withdrawals, taxes, and cash flow—is often trickier than the climb. Discover strategies for handling required minimum distributions, optimizing charitable giving, and making your nest egg last. This episode explores practical ways to navigate the complexities of retirement and keep your financial plan working for you.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What happens when your required minimum distributions (RMDs) trigger a massive tax bill? This episode unpacks the real-life challenges facing retirees with large IRAs, exploring how strategies like Roth conversions and charitable trusts can help manage taxes and align your legacy with your goals. The Linskys share stories of creative planning, why there’s no one-size-fits-all solution, and how understanding your options can make all the difference as you approach RMD age.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Is your 401k quietly stuck while you approach retirement? This episode uncovers how “set it and forget it” investing can leave your savings stagnant—and what you can do about it. Learn about in-service distributions, brokerage sleeve windows, and strategies to unlock more options for your retirement funds, so you can take control of your financial future before it’s too late.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Are you ready for the year-end financial rush—and the hidden decisions that could shape your retirement? This episode explores the critical timing of retirement planning, new 401(k) options, and the risks of alternative investments. Learn why personalized advice, understanding self-directed brokerage accounts, and knowing your rollover opportunities can make all the difference. Get practical insights from decades of experience to help you navigate your next financial move   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What happens when saving for retirement is the easy part—but turning those savings into lasting income is the real challenge? This episode explores the critical shift from accumulation to distribution, the risks of market downturns, and why protected growth and comprehensive planning matter most.The Linskys reveal how to avoid common pitfalls and build a retirement strategy that adapts to changing times. To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What if your biggest retirement partner is the tax man? This episode uncovers how taxes can take a surprising bite out of your nest egg, with stories from pro athletes to everyday retirees. Learn why tax planning matters more than ever, how charitable trusts and smarter RMD strategies can save thousands, and why most advisors miss the mark on tax efficiency. Get practical insights to help you keep more of what you’ve earned and make your retirement goals a reality.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

The great wealth transfer is underway, and legacy planning has never been more important. In this episode, the Linsky family discusses how trillions are moving between generations, the new rules for inherited IRAs under the Secure Act 2.0, and how to avoid costly penalties. Learn how creative strategies—like using inherited RMDs to fund Roth conversions—can help you make the most of your legacy. Discover why open family conversations and personalized planning are key to turning an inheritance into lasting financial security.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What does true financial confidence look like in retirement—and how do you balance spending, saving, and legacy? The Linskys share real stories of retirees navigating market headlines, family expectations, and personal dreams. Discover why a comprehensive plan beats a pile of account statements, and how legacy planning is as unique as every family. From spending guilt to world travel, this episode explores the choices that shape your retirement and your legacy.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Can investment losses actually help you save on taxes? David Linsky breaks down the concept of tax loss harvesting, explaining how it works, when it applies, and why it matters for non-qualified accounts. Learn how offsetting gains and losses can reduce your tax liability, why timing is crucial, and how a smart strategy can make a dramatic difference over time. If you’re DIY-ing your investments, don’t miss these essential tips for avoiding costly mistakes.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Is your retirement plan built for market ups and downs? The Linskys reveal why separating growth from income is the key to a stress-free retirement. Learn how smart asset allocation, purposeful income streams, and avoiding panic selling can turn an ordinary retirement into an extraordinary one. Real-life stories and practical strategies show how to protect your nest egg, maximize returns, and enjoy your golden years—no matter what the market does.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Is Social Security enough for your retirement? This episode explores how to blend Social Security with other income streams for a stable, enjoyable retirement. The Linskys discuss real-life strategies for timing benefits, planning for the unexpected, and why working with a retirement specialist can make all the difference. Discover how to create a plan that lets you enjoy life—without surprises or stress .   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

What’s scarier than spiders? For many retirees, it’s running out of money. In this episode, David Linsky and Dylan Linsky tackle the biggest fear in retirement and explain how annuities—when used correctly—can help create reliable income streams. From outdated investments to misunderstood annuity types, they break down what works, what doesn’t, and how to build a plan that protects your future. It’s not just about having accounts—it’s about assigning purpose to every dollar.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.

Could your 401(k) be quietly draining your retirement savings? In this episode, David Linsky breaks down how outdated plans, hidden fees, and limited investment options may be holding you back. Learn how a 401(k) X-ray can uncover opportunities like in-service distributions and brokered sleeves—tools that can help you take control of your retirement strategy before you even leave the workforce. Whether you're nearing retirement or just want clarity, this conversation is your wake-up call to get unstuck and get informed.   To schedule a complimentary consultation with L3 Family Wealth Partners visit RetirementRealityReport.com   As a certified financial planner for 35 years, Marc Linsky has been helping clients with wealth management, taxes, and everything retirement planning related. Join Marc each week along with his sons, David and Dylan, on The Retirement Reality Report. They help educate us on building assets for Life, Longevity and Legacy.