What happens when you finally sell the business you’ve built your whole life around?
In this episode, Rick sits down with Kyle Gabhart, author of Legends Don’t Retire and Neither Should You, to talk about life after the business,  identity, purpose, succession planning, and how to build a company that thrives without you.
Whether you’re a small-business owner, entrepreneur, or advisor, this episode will help you think beyond the exit. You’ll learn how to separate your identity from your work, create systems that make your business more valuable, and find a second act that still fuels your drive,  without burning you out.
     Topics Covered:
How to prepare emotionally and financially for life after business ownership
Turning your company into a true asset,  not just a job
Designing a phased succession or “partial exit” strategy
Creating liquidity before you sell
Finding new purpose once you step back

What if retirement isn’t the goal, but the beginning?
In this episode of The Advised Podcast, Rick sits down with Scott Jagodzinski, author of Harder to Kill and founder of Argent Alpha, to talk about why traditional retirement is broken and how men over 50 can design a more meaningful second act.
Scott explains why the old model ofwork hard, save money, then stop working, leads to decline and disconnection, not fulfillment. He shares how reinvention can become the new standard by focusing on curiosity, growth, and purpose instead of withdrawal and comfort.
Together, Rick and Scott explore what it means to build a life that stays relevant and rewarding after the paycheck ends. They talk about health, mindset, and how to start small with new challenges that keep you learning and engaged.
If you are approaching retirement or already there, this conversation will help you rethink what comes next and how to live with strength, meaning, and forward momentum.
🎧 Listen now and start your reinvention journey.

What does it really mean to be Harder to Kill?In this episode, Rick sits down with Scott Jagodzinski,  author of Harder to Kill and founder of Argent Alpha , to talk about why men over 50 can’t afford to coast on autopilot when it comes to their health.
Scott led companies through nine-figure exits and corporate turnarounds before redirecting that same intensity toward optimizing life after 50. Together, he and Rick unpack the mindset, structure, and daily disciplines that build strength, resilience, and purpose, not decline.
They dig into Scott’s “Alpha Triad” framework:
Future Self — defining who you want to become
Alpha 5 — daily standards for mindset, sleep, nutrition, fitness, and hydration
R.A.D. — recurring accountability that outlasts willpower
Whether you’re approaching retirement or just ready to reclaim energy and confidence, this conversation shows you how to build the foundation for a longer, better life, not just more years on the clock.
📘 Learn more at hardertokillbook.com🎧 Listen to Advised  wherever you get your podcasts.

Retirement isn’t just about leaving your job behind,  it’s about discovering what you’re retiring to. Too many people treat retirement like a permanent vacation, but without purpose, structure, and identity, those years can quickly turn into burnout, anxiety, or boredom.
In this episode, we dive into how to prepare for life after the paycheck, why finding meaning matters more than money, and practical ways retirees can build a purposeful lifestyle.
     What you’ll learn in this episode:
Why identity and career are so intertwined, and how to separate them
The danger of treating retirement like an endless vacation
How to uncover your “bucket list” and build around it
Ways to retire to something, not just from work
How to find purpose in volunteering, family, health, and community
 

Discover how your home environment influences your health, mindset, and even your retirement transition.
Download the Free Guide to Your Personal Energy: https://courses.elementalclarity.com/feng-shui
In this episode of The Advised Podcast, I step outside the financial world to talk with Jeannette Ciezykowski, a personal life specialist and feng shui expert. We explore how your surroundings influence success, health, and fulfillment, especially when you’re stepping into retirement.
You’ll learn:
Why your space matters more than you think,at work, at home, and outdoors
The surprising connection between clutter, energy, and stress
Simple, practical feng shui changes you can make today 
How couples with different personalities can find balance in their shared space
Ways to transition your home from a “time capsule” of the past to a supportive environment for new retirement memories
👉 Connect with Jeannette: Instagram & YouTube @ElementalClarity👉 More retirement planning resources: @RickLuchini 

Are you afraid to spend money in retirement — even though you’ve saved diligently for decades? You’re not alone. Many retirees face a surprising challenge: shifting from saver to spender.
In this episode of The Advised Podcast, Rick Luchini unpacks the psychology behind why it feels so hard to enjoy your money after years of disciplined saving. We talk about:
Why the “middle-class millionaire” often struggles the most with spending
The mindset shift needed to confidently move from accumulation to distribution
How to balance enjoying bucket-list experiences with the fear of running out
If you’ve ever worried about spending “too much” in retirement, this conversation will help you reframe your thinking and find the confidence to use your money with purpose.

When it comes to saving for your kids’ future, the options can feel overwhelming—529 plans, UTMA accounts, taxable brokerage accounts, or just keeping the money in your own name. Which is best? And how do new tax law changes (like the SECURE Act 2.0 and the “Big Beautiful Bill”) change the conversation?
In this episode, we break down:
The pros and cons of 529 college savings plans (and how new rules make them more flexible than ever)
Why UTMA/UGMA custodial accounts can be powerful—but also risky once kids gain control at 18 or 21
The case for simply saving in your own brokerage account and gifting later
How grandparents, aunts, and uncles should think about gifting strategies for education
The tax angles that make each option more or less attractive
Whether you’re a new parent, soon-to-be grandparent, or just trying to figure out the smartest way to support your kids’ future, this conversation cuts through the confusion.
👉 Don’t just default to a 529 plan because Google says so. Understand the trade-offs, the flexibility, and the long-term tax impact.

When it comes to taxes in retirement, most people only think about last year’s return. But focusing only on history can cost you tens of thousands of dollars over your lifetime. In this episode, we break down the critical difference between a tax accountant (historian) and a tax planner, and why you may need both.
You’ll learn why accountants often focus on minimizing taxes this year, while planners look decades ahead, helping you avoid April surprises, create flexibility, and reduce your lifetime tax bill. We’ll share real examples of clients who avoided five-figure tax shocks by planning just one to two years ahead—and why “no surprises” is one of the most valuable gifts in retirement planning.
If you want to understand how proactive planning can save you stress, money, and headaches, this episode is for you.

I sat down with somatic health coach Mitch Webb to unpack one of the most overlooked pillars of retirement: your health.
We often spend decades building careers, growing wealth, and planning tax strategies — but if our bodies break down, what’s the point? Mitch explains how a dysregulated nervous system, poor nutrition, and chronic stress can quietly rob us of the very freedom we’re working toward.
We cover:
How high-achievers can transition from a go-go lifestyle into a healthy retirement.
Why “wealth means nothing without health.”
Practical, low-barrier steps you can start today: nutrition shifts, nervous system regulation, daily movement, and habit stacking.
How to avoid the “duck syndrome” of calm on the surface, but stressed and anxious underneath.
If you want to enjoy your retirement years with energy, clarity, and longevity, this conversation is a must-listen.
 

Are your taxes really going to be lower in retirement? Many financial advisors and rules of thumb assume so, but for high-earning savers and retirees with large IRAs or 401(k)s, the reality is often very different. In this episode, Rick Luchini breaks down the myth of lower retirement taxes and explores why many retirees actually face similar or even higher tax bills in retirement.
We’ll cover the impact of Roth IRAs vs. traditional IRAs, how Roth conversions can create flexibility, and why taxable brokerage accounts are often underrated in retirement planning. You’ll learn about required minimum distributions (RMDs), the so-called “retirement tax bomb,” and how taxes can unexpectedly explode when a surviving spouse inherits retirement accounts and is forced into higher tax brackets.
If you’re planning for retirement—or already retired—this discussion will give you actionable insights on tax-efficient withdrawal strategies, avoiding sticker shock, and why flexibility matters more than outdated rules of thumb.
✅ Learn how to protect yourself from unexpected retirement taxes✅ Understand when Roth accounts make sense✅ Avoid common tax planning mistakes that could cost you thousands