What if some of the biggest retirement opportunities come with an expiration date? In this episode, Larry Kiser explores key retirement planning windows that can have a lasting impact on your financial future. From catch-up contributions at age 50 and rollover opportunities after 59½, to Social Security timing, Roth conversions, and required minimum distributions, Larry discusses why timing matters. He also shares insights on why waiting too long to act can limit your options and how small decisions made today can shape the retirement lifestyle you enjoy tomorrow. The takeaway: retirement planning isn’t just about what you do, it’s about knowing when to do it.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email team@sagewealthdesign.com, or call 435-704-2213.

What if some of the biggest retirement opportunities come with an expiration date? In this episode, Larry Kiser explores key retirement planning windows that can have a lasting impact on your financial future. From catch-up contributions at age 50 and rollover opportunities after 59&frac12;, to Social Security timing, Roth conversions, and required minimum distributions, Larry discusses why timing matters. He also shares insights on why waiting too long to act can limit your options and how small decisions made today can shape the retirement lifestyle you enjoy tomorrow. The takeaway: retirement planning isn&rsquo;t just about what you do, it&rsquo;s about knowing when to do it.
Learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a> , email <a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future.

That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and experienced looks at all the factors affecting your retirement. Tune in to The Sage Investor and start getting wise to your future!



Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser. 3785624-08/24

When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future.
That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and experienced looks at all the factors affecting your retirement. Tune in to The Sage Investor and start getting wise to your future!
 
Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser. 3785624-08/24

The Sage Investor

What Retirement Decisions Have an Expiration Date?

Living longer is one thing, but making your money last just as long is a whole different challenge. In this episode, Larry Kiser explores what’s truly within your control when it comes to retirement planning, from spending habits and saving strategies to navigating market cycles and tax exposure. Using practical analogies and real-world scenarios, the conversation highlights why flexibility, discipline, and thoughtful decision-making matter just as much as the numbers themselves. Larry also dives into the growing importance of tax planning, including why today’s historically low rates may not last forever. It’s a candid look at balancing longevity, lifestyle, and financial strategy over the long run.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email team@sagewealthdesign.com, or call 435-704-2213.

Living longer is one thing, but making your money last just as long is a whole different challenge. In this episode, Larry Kiser explores what&rsquo;s truly within your control when it comes to retirement planning, from spending habits and saving strategies to navigating market cycles and tax exposure. Using practical analogies and real-world scenarios, the conversation highlights why flexibility, discipline, and thoughtful decision-making matter just as much as the numbers themselves. Larry also dives into the growing importance of tax planning, including why today&rsquo;s historically low rates may not last forever. It&rsquo;s a candid look at balancing longevity, lifestyle, and financial strategy over the long run.
Learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a>, email&nbsp;<a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

You Can’t Control Longevity, But You Can Control This

What if one health event could rewrite your entire retirement plan overnight? In this episode, Larry Kiser tackles the often-avoided topic of long-term care and why planning for it matters more than most people realize. With the majority of retirees likely to need some form of care, and only a small percentage prepared, the conversation explores the emotional, financial, and logistical realities families face. Larry breaks down the cost challenges, common misconceptions about self-funding, and how modern hybrid solutions are changing the conversation. It’s a candid look at how early, intentional planning can help protect both your retirement and the people who may one day care for you.

Learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email team@sagewealthdesign.com, or call 435-704-2213.

What if one health event could rewrite your entire retirement plan overnight? In this episode, Larry Kiser tackles the often-avoided topic of long-term care and why planning for it matters more than most people realize. With the majority of retirees likely to need some form of care, and only a small percentage prepared, the conversation explores the emotional, financial, and logistical realities families face. Larry breaks down the cost challenges, common misconceptions about self-funding, and how modern hybrid solutions are changing the conversation. It&rsquo;s a candid look at how early, intentional planning can help protect both your retirement and the people who may one day care for you.
Learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a>, email&nbsp;<a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

The Retirement Risk Most People Avoid Talking About

What if your retirement turns out to be less “double‑stuffed” than you expected? In this episode of The Sage Investor Podcast, Larry Kiser unpacks the gap between expectation and reality in retirement planning—using a surprising Oreo analogy to bring it to life. He explores common disconnects around Social Security, investment strategy, healthcare costs, and inflation, and why assumptions can lead to disappointment if not tested. The conversation also highlights how past market fears, tax surprises, and evolving expenses can reshape outcomes without a clear strategy. It’s a practical look at aligning expectations with a well‑structured, adaptable financial plan.

Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email team@sagewealthdesign.com, or call 435-704-2213.

What if your retirement turns out to be less &ldquo;double‑stuffed&rdquo; than you expected? In this episode of The Sage Investor Podcast, Larry Kiser unpacks the gap between expectation and reality in retirement planning&mdash;using a surprising Oreo analogy to bring it to life. He explores common disconnects around Social Security, investment strategy, healthcare costs, and inflation, and why assumptions can lead to disappointment if not tested. The conversation also highlights how past market fears, tax surprises, and evolving expenses can reshape outcomes without a clear strategy. It&rsquo;s a practical look at aligning expectations with a well‑structured, adaptable financial plan.
Find out what your current position is and learn more about Sage Wealth Design&rsquo;s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting&nbsp;<a href="https://calendly.com/sagewealthdesign/intro?month=2025-05">here</a>, email <a href="mailto:team@sagewealthdesign.com">team@sagewealthdesign.com</a>, or call 435-704-2213.

What Retirement Decisions Have an Expiration Date?

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