Don’t Wait Until 73 to Think About RMDs

Waiting until RMDs begin could mean missing valuable years to prepare your retirement tax strategy. In this episode, Katherine Groce and Lawrence Kiely explore how required minimum distributions can affect taxes, cash flow, and retirement income. They discuss why RMD planning may be worth consideri…

Before You Buy Indexed Universal Life Insurance, Understand How It Really Works

IULs are getting plenty of attention online, but are they really an alternative to a Roth IRA? This episode breaks down indexed universal life insurance and the different roles it can play in retirement planning, from supplemental income and legacy planning to long-term care considerations. We also…

You’ve Saved for Retirement. Now What’s the Plan?

Is your 401(k) your retirement plan, or is it simply one piece of a much bigger picture? Katherine Groce and Lawrence Kiely explain why retirement planning can extend beyond investment balances to include income needs, taxes, risk, Social Security, legacy goals and the lifestyle you envision after …

Could Your RMDs Create a Bigger Tax Problem?

Required minimum distributions may look like just another retirement withdrawal, but what happens when they affect more than your account balance? Katherine Groce and Lawrence Kiely discuss how RMDs can interact with taxable income, Medicare premiums, Social Security taxation, and broader retiremen…

Why “Full Coverage” May Not Mean What You Think

Your homeowner's insurance may not protect you the way you think it does. In this episode, Mike Canet responds to a listener question about insurance coverage and explains several overlooked risks that can create major out-of-pocket costs after a disaster. From replacement value misconceptions and …

Could You Be Missing a Piece of Your Retirement Savings?

What if a forgotten retirement account is still sitting somewhere with your name on it? Katherine Groce and Lawrence Kiely discuss the growing number of overlooked 401(k) accounts and why so many people lose track of retirement savings when changing jobs. They explain how old accounts, scattered in…

One Business Sale, Millions in Taxes: Are You Prepared?

What would you do if a $50 million business sale triggered a $15 million tax bill? In this episode, Mike Canet and Ryan Herbert discuss a real-world case involving a business owner approached by data center developers during the AI boom. They explore how major asset sales can create significant tax…

Are You Closer to Retirement Than You Think?

Think you're years away from retirement? You may be closer than you realize, but replacing your paycheck takes more planning than most people expect. Ryan Herbert and Katherine Groce discuss what it really takes to retire before traditional retirement age, including creating multiple income sources…

$1 Million Today or $60,000 per Year for Life? The Answer That Sparked a Firestorm

Would you take a guaranteed $60,000 a year for life over a tax-free $1 million lump sum? That simple question sparked thousands of comments and a heated debate online. Ryan Herbert and Katherine Groce break down the reasoning behind choosing lifetime income, while addressing arguments involving hig…

The Biggest Retirement Mistake Many People Make After 50

What if the years after your kids leave home are the most important years for your retirement plan? As families transition into the empty nest stage, Mike Canet and Ryan Herbert discuss why ages 50 to 60 can be a pivotal time for retirement preparation. They cover catch-up contributions, evaluating…