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When everyone seems to be making money in the market, how do you know if you're investing wisely or just chasing the crowd? Brooks Bernhagen explores how fear of missing out (FOMO) can derail retirement planning and why retirees need a different mindset than younger investors. Learn how income foundations, risk budgets, and simple bucket strategies can help balance growth opportunities with protection. Brooks also shares a real-world example of a retiree tempted to chase hot tech stocks and explains how a disciplined plan can help keep emotions from driving financial decisions.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

When everyone seems to be making money in the market, how do you know if you're investing wisely or just chasing the crowd? Brooks Bernhagen explores how fear of missing out (FOMO) can derail retirement planning and why retirees need a different mindset than younger investors. Learn how income foundations, risk budgets, and simple bucket strategies can help balance growth opportunities with protection. Brooks also shares a real-world example of a retiree tempted to chase hot tech stocks and explains how a disciplined plan can help keep emotions from driving financial decisions.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.

The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!

When your retirement gets down to game time, who do you want making the calls? Don’t settle for second-best – get the advisor that knows the rules.
The Retirement Referee, hosted by Brooks Financial Group founder Brooks Bernhagen, shows how to go by the rulebook and get the most out of your retirement. With experienced insights, weekly deep dives into the financial trends of the day, and the retirement tips you’re looking for, the Retirement Referee is always a podcast instant replay. Listen and subscribe today!

The Retirement Referee with Brooks Bernhagen

The Retirement Referee

Is FOMO Quietly Hijacking Your Retirement Plan?

What if the biggest retirement mistake isn't spending too much, but spending too little? In this episode, Brooks Bernhagen explores the growing challenge of retirement underspending and why many retirees hesitate to enjoy the money they've worked decades to save. The conversation examines how inflation headlines, market uncertainty, and lifelong saving habits can create unnecessary fear, even when retirement plans remain strong. Brooks shares common signs of underspending, explains the value of personalized income planning, and discusses how guaranteed income strategies may help reduce financial stress and improve confidence in retirement.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

What if the biggest retirement mistake isn't spending too much, but spending too little? In this episode, Brooks Bernhagen explores the growing challenge of retirement underspending and why many retirees hesitate to enjoy the money they've worked decades to save. The conversation examines how inflation headlines, market uncertainty, and lifelong saving habits can create unnecessary fear, even when retirement plans remain strong. Brooks shares common signs of underspending, explains the value of personalized income planning, and discusses how guaranteed income strategies may help reduce financial stress and improve confidence in retirement.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

Too Afraid to Spend in Retirement?

What if the most valuable part of your estate isn't the money you leave behind? Inspired by reflections on Dolly Parton’s legacy, Brooks Bernhagen explores how estate planning can pass along values, traditions, purpose, and charitable impact alongside financial assets. He shares practical thoughts on defining your legacy, involving future generations in the planning process, and avoiding common mistakes that can undermine long-term goals. Through a real client story, Brooks illustrates how thoughtful planning can create a lasting connection between family, community, and the causes that matter most.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

What if the most valuable part of your estate isn't the money you leave behind? Inspired by reflections on Dolly Parton&rsquo;s legacy, Brooks Bernhagen explores how estate planning can pass along values, traditions, purpose, and charitable impact alongside financial assets. He shares practical thoughts on defining your legacy, involving future generations in the planning process, and avoiding common mistakes that can undermine long-term goals. Through a real client story, Brooks illustrates how thoughtful planning can create a lasting connection between family, community, and the causes that matter most.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

The Difference Between Leaving an Inheritance and Leaving a Legacy

Is the famous 4% rule giving retirees a false sense of certainty? Brooks Bernhagen examines William Bengen’s updated 4.7% withdrawal rate and explains why retirement income planning shouldn’t rely on a single percentage. The conversation explores how market volatility, inflation, healthcare costs, longevity, and sequence of returns can impact withdrawals over time. Brooks shares why flexibility, guardrails, guaranteed income sources, and a bucket strategy may be more practical than following a rigid rule. The episode also looks at why many retirees worry more about overspending than fully enjoying the money they worked hard to save.

Listen to Brooks every Saturday at 7 a.m. on KOTA.

Ready to build your retirement plan? Visit https://brooksfg.com/ to connect with Brooks and his team today!

Is the famous 4% rule giving retirees a false sense of certainty? Brooks Bernhagen examines William Bengen&rsquo;s updated 4.7% withdrawal rate and explains why retirement income planning shouldn&rsquo;t rely on a single percentage. The conversation explores how market volatility, inflation, healthcare costs, longevity, and sequence of returns can impact withdrawals over time. Brooks shares why flexibility, guardrails, guaranteed income sources, and a bucket strategy may be more practical than following a rigid rule. The episode also looks at why many retirees worry more about overspending than fully enjoying the money they worked hard to save.
Listen to Brooks every Saturday at 7 a.m. on&nbsp;<a href="https://www.kotaradio.com/">KOTA</a>.
Ready to build your retirement plan? Visit <a href="https://brooksfg.com/">https://brooksfg.com/</a> to connect with Brooks and his team today!

Is FOMO Quietly Hijacking Your Retirement Plan?

The Retirement Referee with Brooks Bernhagen

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