Retirement planning shouldn’t feel like filling out the same 200-page clipboard every year. This episode explores why understanding your full financial picture matters, from creating reliable retirement income to staying ahead of required minimum distributions. Learn why RMDs may be less intimidating than they sound, how taxes can complicate withdrawals, and why planning before RMD age can help reduce unwelcome tax surprises. It’s a practical conversation about knowing where you stand and keeping your retirement strategy aligned as life and finances change.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

Retirement planning shouldn&rsquo;t feel like filling out the same 200-page clipboard every year. This episode explores why understanding your full financial picture matters, from creating reliable retirement income to staying ahead of required minimum distributions. Learn why RMDs may be less intimidating than they sound, how taxes can complicate withdrawals, and why planning before RMD age can help reduce unwelcome tax surprises. It&rsquo;s a practical conversation about knowing where you stand and keeping your retirement strategy aligned as life and finances change.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Your Retirement Isn't Just a Bunch of Documents

A bigger retirement account can bring bigger tax considerations when it’s time to start taking money out. Zach Norton discusses how 401(k)s, IRAs, required minimum distributions, and unexpected withdrawals can affect taxable income and Medicare premiums. He also explores Roth conversions, charitable distributions, and the importance of maintaining different types of accounts. Plus, the conversation turns to inherited IRAs, the 10-year withdrawal rule, and why keeping beneficiary designations current can be an important part of legacy planning.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

A bigger retirement account can bring bigger tax considerations when it&rsquo;s time to start taking money out. Zach Norton discusses how 401(k)s, IRAs, required minimum distributions, and unexpected withdrawals can affect taxable income and Medicare premiums. He also explores Roth conversions, charitable distributions, and the importance of maintaining different types of accounts. Plus, the conversation turns to inherited IRAs, the 10-year withdrawal rule, and why keeping beneficiary designations current can be an important part of legacy planning.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

When Retirement Savings Become a Tax Puzzle

Could a large 401(k) actually create unexpected tax challenges in retirement? Zach Norton discusses how tax-deferred retirement accounts, required minimum distributions (RMDs), and inherited IRA rules can affect taxes, Medicare premiums, and retirement flexibility. The conversation explores why having different types of savings accounts may provide more options when unexpected expenses arise and examines key considerations for those hoping to leave retirement assets to children or grandchildren. Learn how retirement income, tax planning, and legacy goals can intersect in ways many retirees and families may not anticipate.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

Could a large 401(k) actually create unexpected tax challenges in retirement? Zach Norton discusses how tax-deferred retirement accounts, required minimum distributions (RMDs), and inherited IRA rules can affect taxes, Medicare premiums, and retirement flexibility. The conversation explores why having different types of savings accounts may provide more options when unexpected expenses arise and examines key considerations for those hoping to leave retirement assets to children or grandchildren. Learn how retirement income, tax planning, and legacy goals can intersect in ways many retirees and families may not anticipate.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

The Hidden Tax Trap Inside a Large 401(k)

Cam Newton recently discussed on ESPN's First Take the biggest money mistake that pro athletes make. In this episode, Ethan Glasgow reveals the hidden tax traps that both athletes and everyday Americans face after their careers. Discover why retirees are among the most unfairly taxed groups, how Social Security, pensions, and IRAs can impact your bottom line, and which strategies can help you keep more of your hard-earned money. Whether you’re five years from retirement or already planning your next chapter, this conversation will help you understand the real cost of retirement and how to prepare for it.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

Cam Newton recently discussed on ESPN's First Take the biggest money mistake that pro athletes make. In this episode, Ethan Glasgow reveals the hidden tax traps that both athletes and everyday Americans face after their careers. Discover why retirees are among the most unfairly taxed groups, how Social Security, pensions, and IRAs can impact your bottom line, and which strategies can help you keep more of your hard-earned money. Whether you&rsquo;re five years from retirement or already planning your next chapter, this conversation will help you understand the real cost of retirement and how to prepare for it.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

What Retirees Can Learn From Pro Athletes

After decades of saving, why do so many retirees struggle to spend their own money? In this episode, Stuart Seegmiller explores the psychology behind retirement spending and why guaranteed income often feels easier to spend than money withdrawn from investment accounts. He discusses the challenge of transitioning from accumulation to distribution, the impact of required minimum distributions (RMDs), and why confidence in a retirement plan can influence spending decisions. Learn how creating a clear income strategy may help retirees enjoy the resources they've worked so hard to build.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

After decades of saving, why do so many retirees struggle to spend their own money? In this episode, Stuart Seegmiller explores the psychology behind retirement spending and why guaranteed income often feels easier to spend than money withdrawn from investment accounts. He discusses the challenge of transitioning from accumulation to distribution, the impact of required minimum distributions (RMDs), and why confidence in a retirement plan can influence spending decisions. Learn how creating a clear income strategy may help retirees enjoy the resources they've worked so hard to build.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Do You See Your Savings as Income or Off-Limits Money?

The most important retirement milestone may not be the one on your birthday cake. In this episode, Stuart Seegmiller discusses why there is no longer a one-size-fits-all retirement age and how key milestones like ages 62, 65, 67, and 70 can impact Social Security, Medicare, income planning, and retirement decisions. He also explores how longevity, health, work preferences, and personal goals can influence the timing of retirement. Learn why the right retirement date is often less about age and more about your unique financial picture.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

The most important retirement milestone may not be the one on your birthday cake. In this episode, Stuart Seegmiller discusses why there is no longer a one-size-fits-all retirement age and how key milestones like ages 62, 65, 67, and 70 can impact Social Security, Medicare, income planning, and retirement decisions. He also explores how longevity, health, work preferences, and personal goals can influence the timing of retirement. Learn why the right retirement date is often less about age and more about your unique financial picture.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Why Retirement Timing Is About More Than Just Your Age

Your vision for retirement can fall apart quickly if you don’t understand what it actually costs. In this episode, the conversation explores the growing gap between retirement expectations and real‑world expenses, from inflation and taxes to major decisions like selling real estate or creating income. The discussion highlights how overlooked tax consequences, Medicare impacts, and rising costs can catch retirees off guard—and why easing into retirement often works better than making big, all‑at‑once moves. It’s a candid look at turning retirement dreams into numbers you can plan around, not guesses you hope work out.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

Your vision for retirement can fall apart quickly if you don&rsquo;t understand what it actually costs. In this episode, the conversation explores the growing gap between retirement expectations and real‑world expenses, from inflation and taxes to major decisions like selling real estate or creating income. The discussion highlights how overlooked tax consequences, Medicare impacts, and rising costs can catch retirees off guard&mdash;and why easing into retirement often works better than making big, all‑at‑once moves. It&rsquo;s a candid look at turning retirement dreams into numbers you can plan around, not guesses you hope work out.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Why Retirement Dreams Often Cost More Than Expected

What feels safe with your money today could quietly cost you tomorrow. In this episode, Ethan explores the concept of “spaving” and how seemingly smart financial decisions can sometimes create unintended consequences. He discusses the hidden costs of holding too much cash, chasing the latest investment trends, and taking big risks in an effort to catch up before retirement. The conversation also highlights the importance of having a personalized plan, filtering out financial noise, and understanding the tradeoffs behind every money decision so you can stay focused on your long-term goals.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

What feels safe with your money today could quietly cost you tomorrow. In this episode, Ethan explores the concept of &ldquo;spaving&rdquo; and how seemingly smart financial decisions can sometimes create unintended consequences. He discusses the hidden costs of holding too much cash, chasing the latest investment trends, and taking big risks in an effort to catch up before retirement. The conversation also highlights the importance of having a personalized plan, filtering out financial noise, and understanding the tradeoffs behind every money decision so you can stay focused on your long-term goals.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

The Hidden Danger of Playing It Too Safe With Your Money

What if the inheritance you’re counting on never arrives? In this episode, Ethan discusses why retirement plans should be built around your own resources, not future expectations. He explores the importance of proactive tax planning, how family conversations about estate planning can prevent confusion, and why retirees should feel comfortable enjoying the money they worked hard to earn. The conversation also covers sudden windfalls, common mistakes people make when receiving large sums of money, and why every financial decision should fit into a broader, personalized retirement strategy.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

What if the inheritance you&rsquo;re counting on never arrives? In this episode, Ethan discusses why retirement plans should be built around your own resources, not future expectations. He explores the importance of proactive tax planning, how family conversations about estate planning can prevent confusion, and why retirees should feel comfortable enjoying the money they worked hard to earn. The conversation also covers sudden windfalls, common mistakes people make when receiving large sums of money, and why every financial decision should fit into a broader, personalized retirement strategy.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Are You Counting on an Inheritance That May Never Come?

What if becoming a 401(k) millionaire is only half the retirement planning story? In this episode, Stuart Seegmiller explains why market volatility can be a valuable reminder to review your portfolio, especially as retirement approaches. He discusses the difference between growing wealth and protecting it, why investment strategies may need to change over time, and how taxes can impact what your retirement savings are really worth. The conversation also explores the importance of understanding your allocations, avoiding emotional decisions, and making sure your retirement plan reflects your current goals rather than relying on old assumptions.

As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

What if becoming a 401(k) millionaire is only half the retirement planning story? In this episode, Stuart Seegmiller explains why market volatility can be a valuable reminder to review your portfolio, especially as retirement approaches. He discusses the difference between growing wealth and protecting it, why investment strategies may need to change over time, and how taxes can impact what your retirement savings are really worth. The conversation also explores the importance of understanding your allocations, avoiding emotional decisions, and making sure your retirement plan reflects your current goals rather than relying on old assumptions.
As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe&rsquo;s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they&rsquo;ve worked so hard for.
To get more information on Ashton &amp; Associates, or to schedule a consultation call, 435-688-9500 or visit&nbsp;<a href="https://ashtonwealth.com/">AshtonWealth.com</a>

Are You a 401(k) Millionaire—or Just a Future Taxpayer?

As the founder of Ashton And Associates, Abe Ashton has more than 20 years of experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for.

To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.com

Your Family And Your Retirement

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