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…

Dave Ramsey's Social Security Advice is WRONG

Is claiming Social Security at 62 a smart move or a costly mistake? Ryan Herbert & Katherine Groce dive into the heated debate sparked by financial guru Dave Ramsey and his advice to take Social Security early, even while working. They break down the real math behind penalties, taxes, and investmen…

Roth vs. 401(k): What Every High Earner Needs to Know Now

Are you missing out on thousands in retirement savings because of new 401(k) rules? Ryan Herbert and Katherine Groce break down the latest Secure Act changes, explain why high earners must rethink their catch-up contributions, and how tax diversification—using Roth accounts and cash value life insu…

Are You Prepared For Market Uncertainty?

Ryan Herbert discusses the “three holes” strategy—like snow tires for your portfolio—to take action in preserving your income in retirement. He breaks down practical exit strategies, the importance of backup plans, and how to balance risk and reward for lasting financial security. Ryan explains why…