Did the SECURE Act Change What Your Family Inherits?

Could an inherited IRA create an unexpected tax challenge for your children or grandchildren? In this episode, Bryan Gaiser discusses how inherited IRA rules have changed under the SECURE Act and why beneficiaries need to understand the 10-year withdrawal requirement. Using real-life examples, he e…

Could Your Retirement Income Disappear Overnight?

What happens when a retirement income source you counted on suddenly disappears? In this episode, Bryan Gaiser discusses the risks of relying too heavily on dividend-paying stocks after a major company ended a decades-long dividend. He explains the importance of diversification, separating growth a…

Could Your Medicare Choice Cost More Than You Realize?

Could one healthcare decision end up costing far more than you expect in retirement? In this episode, Bryan Gaiser discusses the importance of reviewing Medicare and healthcare coverage during open enrollment and why choosing the right plan can have long-term financial implications. Using real-life…

The Retirement Mistake That Can Catch You Off Guard in Your 70s

Could one decision in your 70s create challenges you never saw coming? In this episode of the Wealth Through Wisdom Podcast, Bryan Gaiser discusses important financial considerations for retirees, including long-term care planning, required minimum distributions (RMDs), and qualified charitable dis…

Should You Trust AI with Your Retirement Plan?

Can artificial intelligence answer your retirement questions, or does retirement planning still require a human touch? In this episode, Bryan Gaiser discusses the growing role of AI in everyday life and explores where it may help, where it can fall short, and why personal goals matter when planning…

Who Will Handle Your Affairs If You Can't?

Who will make financial, legal, and healthcare decisions for you if family members aren’t available to help? In this episode, Bryan Gaiser discusses the unique retirement and estate planning challenges facing individuals without children or without a reliable support system. He explores the importa…

Do You Have Enough Income to Create a Retirement Surplus?

What if retirement wasn’t just about generating income, but creating income beyond what you need each month? In this episode, Bryan Gaiser discusses the concept of surplus income in retirement and why it can play an important role in long-term financial planning. He explains how annuities fit along…

Are Roth Conversions Always the Right Move?

Could a Roth conversion save you money in retirement, or create a tax bill you didn’t expect? Bryan Gaiser explores the debate between pre-tax and Roth retirement savings and why there’s no universal answer. He discusses Social Security timing, tax diversification, Roth conversions, survivor tax co…

Does the Rule of Thirds Really Work for Retirement?

Is the popular “rule of thirds” retirement formula too simple for your financial situation? In this episode, Bryan Gaiser explores the idea of dividing retirement assets among guaranteed income, fixed income investments, and equities, and explains why the right mix depends on each retiree’s goals, …

Do Annuities Deserve the Criticism They Get?

Do annuities deserve their reputation, or are many retirees missing part of the bigger picture? In this episode, Bryan Gaiser discusses why retirement income planning should start with a person’s goals rather than a specific financial product. He explains common misconceptions about annuities, situ…