The Overlooked Rules Hiding Inside Your 401k

What if the biggest retirement surprise isn’t the market but the tax bill you never saw coming? Mike Canet and Lawrence Kiely unpack a real retiree’s regret and dive into why taxes often derail otherwise solid plans. The conversation centers on overlooked strategies tied to 401(k)s, Roth accounts, …

Why the “Magic” Retirement Number Keeps Missing the Mark

What if the retirement number you’ve been chasing was never the right one? This episode challenges the headline-driven belief that everyone needs the same seven-figure nest egg and explores why real retirement security looks different for every household. The conversation breaks down how income sou…

The Hidden Stressors Sabotaging Your Retirement Plan

Why are Americans feeling less confident about retirement even after strong market years? In this episode Mike Canet & Lawrence Kiely break down why fear, politics, and media noise cloud financial decision‑making, and how real retirement planning goes far beyond market returns. Hear stories of clie…

The Hidden Formula Behind Confident Retirees

What if the secret to a confident retirement isn’t how much you’ve saved, but where you place it? In this episode, Ryan Herbert breaks down the real meaning of guaranteed income and why retirees with secure monthly sources often enjoy their money more. You’ll hear how to calculate what you truly sp…

How To Truly Diversify Your Retirement Portfolio

What if your retirement plan could weather any market storm without the guesswork? This episode dives into the realities of market ups and downs, why true diversification goes beyond just stocks and bonds, and how a well-crafted financial plan can protect your income and minimize taxes, no matter w…

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…