The Retirement Plan Mistake Most Advisors Won’t Admit

What if your retirement plan isn’t worth the fancy binder it came in? Ryan Herbert dives into the hidden pitfalls of traditional retirement planning and exposes why many glossy plans leave retirees anxious and unprepared. He shares real stories of clients who discovered their plans were built on sh…

The Hidden Costs of Paying Off Debt in Retirement

Are you tempted to raid your 401k to wipe out debt before retirement? Discover why that move could cost you more than you think. Ryan Herbert dives into the real financial and tax consequences of paying off mortgages and other debts with retirement savings. Learn how lifestyle choices, tax brackets…

The Costly Mistake Most People Make After a 401k Rollover

Are you unknowingly leaving your retirement savings stranded in cash? Ryan Herbert dives into the hidden risks of rolling over your 401(k) and letting your money sit idle. Discover why “paralysis by analysis” keeps investors from making smart moves, the pitfalls of market timing, and practical alte…

How Blindly Trusting Your CPA Could Cost You Millions

Does your CPA really know how to properly tax pan? Mike Canet & Ryan Herbert dive into real stories of retirees and business owners who trusted advisors only to discover costly mistakes in their financial and tax planning. They reveal how a second opinion saved one client over $15 million in taxes …

Is Your 401k a Tax Time Bomb Waiting to Explode?

What if your biggest retirement asset is also your biggest tax trap? Ryan Herbert dives into the realities of 401(k) withdrawals, required minimum distributions (RMDs), and how shifting tax laws could quietly erode your nest egg. This episode unpacks why following “Uncle Sam’s plan” may cost you fa…

The Truth Behind Retirement Date Funds

What do Thanksgiving-flavored Oreos have in common with mutual funds? Sometimes, what looks exciting on the shelf doesn’t deliver in reality. In this episode, Ryan Herbert dives into the world of target date mutual funds and exploring why these “set it and forget it” investments may not be as safe …

Is Your Retirement Income as Secure as You Think?

What if your retirement income could be as reliable as your old paycheck? Ryan Herbert dives into the real-world confusion around TIAA accounts, annuities, and the strategies that can turn your nest egg into a steady stream of income. He breaks down the pros and cons of annuities, the risks of rely…

The Income Bucket: Your Shield Against Stock Market Swings

Are you letting market noise dictate your retirement peace of mind? Ryan Herbert & Lawrence Kiely dive into the crucial difference between chasing stock market gains and securing your monthly income for life. Discover why retirees who focus on income buckets can confidently tune out market volatili…

How Two Brothers Proved Timing Isn’t Everything in Retirement

Ryan Herbert & Lawrence Kiely discuss a dramatic story of two brothers with identical savings but wildly different outcomes, revealing how market timing and preparation can make or break your financial future. They unpack the “sequence of returns” risk, the importance of income planning, and why ha…

Are Annuities Actually Worth It? | Why Tax Planning is a MUST

Maybe annuities aren't so bad after all... right? Ryan Herbert & Katherine Groce discuss how shifting financial headlines are rewriting the rules for annuities, tax planning, and 401(k)s. They break down why annuities are no longer taboo, how tax planning became essential, and what every retiree ne…