Are you panicking over recent market downturns?  In this episode, I dive into a critical client meeting that revealed two major lessons: perspective and empathy. Whether you're navigating personal finance, investing for retirement, or simply trying to understand the market's ups and downs, this episode will provide actionable insights to help you stay calm, focused, and financially secure.
🔹 Topics Covered:✅ How emotions impact investment decisions✅ Why market downturns aren’t the end of the world✅ The right way to build a resilient financial plan✅ Roth conversions & tax strategies for downturns✅ The power of long-term investing over market timing
⏰ CHAPTERS00:00 - Introduction & Client Story01:55 - The Market Fear Cycle: Why Investors Panic04:14 - The Real Concern: Running Out of Money?06:54 - The Cost of Market Timing vs. Long-Term Growth10:36 - Strategies to Navigate Market Volatility12:45 - Roth Conversions: A Hidden Opportunity14:33 - Tax Loss Harvesting & Smart Financial Moves16:59 - The Power of Perspective: Zooming Out

In this episode, we uncover one of the best-kept secrets in retirement planning—the taxable brokerage account. While many focus on 401(k)s, Roth IRAs, and traditional IRAs, a taxable brokerage account provides unmatched flexibility, no contribution limits, and unique tax advantages.
💰 Key Topics Covered: ✔️ What is a taxable brokerage account and who can open one? ✔️ Why high earners & business owners should consider investing beyond retirement accounts ✔️ How to leverage long-term capital gains for lower tax rates ✔️ The power of tax-loss harvesting & tax-gain harvesting for smarter investing ✔️ Using brokerage accounts for early retirement, college savings, and generational wealth ✔️ How to avoid common tax mistakes and maximize returns
If you're serious about personal finance, investing, and retirement planning, this episode is a must-watch! Don't forget to LIKE, SUBSCRIBE, and hit the NOTIFICATION BELL for more expert insights.
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#RetirementPlanning #PersonalFinance #Investing #TaxPlanning #FinancialFreedom #WealthBuilding #BrokerageAccounts #401k #RothIRA

In this episode, we welcome legendary retirement researcher Bill Bengen, the creator of the original 4% rule, to discuss his latest findings and how retirement withdrawal strategies have evolved. If you’re planning for financial independence, early retirement, or traditional retirement, this episode is essential!
🔹 What is the new 4% rule, and how has it changed?🔹 How to determine a safe withdrawal rate in today’s market🔹 The impact of inflation on retirement portfolios🔹 Stock market valuation and its role in retirement planning🔹 How to avoid running out of money in retirement🔹 Investment strategies to maximize long-term wealth
Bill also shares insights from his new book, "A Richer Retirement: Supercharging the 4% Rule," where he reveals his latest research, updated safe withdrawal rates, and ways to optimize your retirement income strategy.
 

Are you unknowingly setting yourself up for massive tax bills in retirement? In this episode of #advisedpodcast, we break down essential retirement tax planning strategies to help you minimize taxes, maximize savings, and protect your wealth.
✅ When should you start planning for retirement taxes?✅ How much tax do you really want to defer?✅ Are you prepared for multi-generational tax exposure?✅ What are the best strategies for tax efficiency in retirement?
 
We explore key considerations for creating a tax-smart retirement strategy, including ways to manage taxable income, reduce future liabilities, and structure your assets more efficiently. By making informed decisions now, you can potentially save hundreds of thousands in unnecessary taxes and gain greater financial flexibility in retirement.
 

In this episode, we dive deep into everything you need to know about RMDs, tax planning, and strategies to protect your retirement savings.
Discover how RMDs are calculated, why they can lead to a “tax bomb,” and how they affect Social Security, Medicare premiums, and overall retirement income. We cover actionable strategies like Roth IRA conversions, proactive tax planning, and Qualified Charitable Distributions (QCDs) to minimize your tax burden and maximize your wealth.
This podcast is packed with expert insights and practical tips to help you plan for RMDs, avoid costly penalties, and preserve your retirement lifestyle. Whether you're just starting retirement planning or looking to refine your strategy, this video is your ultimate guide to personal finance and retirement planning success.
Tags: retirement planning, personal finance, RMDs, required minimum distributions, tax planning, Roth IRA conversions, Qualified Charitable Distributions, IRA, 401(k), retirement savings, tax strategies, Medicare premiums, Social Security, retirement income, financial planning, retire rich, wealth management, financial independence, tax-efficient investing.
Subscribe now for more expert advice on securing your financial future!

Thinking about investing in real estate but unsure how to determine if a property is a good deal? In this episode, we break down how to evaluate rental properties, calculate cash flow and ROI, and compare real estate to other investments like stocks and bonds. Whether you're a new investor or a seasoned landlord, understanding real estate valuation is crucial for maximizing profits and building long-term wealth.
Join Rick Luchini and Austin Preece, a financial planner specializing in real estate investing and retirement planning, as they discuss: ✅ How to calculate cash flow and why it’s key to real estate investing success ✅ The four ways real estate generates returns (cash flow, appreciation, loan paydown, and tax benefits) ✅ How to analyze rental properties before you buy ✅ Real estate vs. stock market investing – which is better for retirement? ✅ Should you sell, hold, or refinance your properties?
If you're planning for financial freedom, looking to grow passive income, or need a strategy for real estate investing in retirement, this video is for you!
🔔 Subscribe for more personal finance, real estate, and retirement investing tips! 💬 Comment below: What’s your biggest question about real estate investing?

Thinking about investing in real estate for retirement but unsure if it’s the right move? In this episode, we dive into the pros and cons of real estate investing, how it compares to stocks, and how your investment strategy should change before and after retirement.
Join Rick Luciani and Austin Preece, a financial planner specializing in real estate investors and business owners, as they break down:
✅ How to build wealth with real estate through appreciation and cash flow✅ The biggest tax benefits of owning rental properties (depreciation, 1031 exchanges, deductions)✅ Why real estate is NOT passive income and how to manage properties effectively✅ Real estate vs. stock market investing – which is better for long-term financial security?✅ How to analyze real estate deals and avoid bad investments✅ The best investment strategies for retirees looking for stable income
If you're planning for financial freedom, want to diversify your portfolio, or need a retirement investing strategy, this video is for you!
🔔 Subscribe for more personal finance, retirement planning, and investing tips!💬 Drop a comment below: Do you invest in real estate or stocks?
#RealEstateInvesting #RetirementPlanning #PassiveIncome #FinancialFreedom #RealEstateVsStocks #PersonalFinance #WealthBuilding #InvestingForBeginners #CashFlow #1031Exchange

In this episode we dive into the top questions and concerns pre-retirees have before taking the big leap into retirement. Whether you're approaching retirement or helping a loved one plan, this discussion is packed with actionable insights and strategies.
✅ Topics Covered:
The #1 pre-retirement worry: Health insurance options before Medicare and how to lower premiums using tax subsidies.
How to turn your 401(k) and savings into sustainable retirement income.
Strategic planning to optimize Social Security—when to take it and how to maximize its value for your lifestyle.
Tax planning in retirement—avoiding surprises and leveraging techniques like Roth conversions and tax gain harvesting.
Why cash flow planning is essential and how it boosts confidence in your retirement decision.
Our candid conversation includes tips for making the most of your early "go-go" retirement years and balancing spending with long-term financial security. Whether you're worried about taxes, income, or health care, we’ve got you covered.
🎧 Don’t miss this episode! Like, comment, and subscribe for more content about personal finance, retirement strategies, and financial independence.
#RetirementPlanning #PersonalFinance #HealthInsurance #SocialSecurity #FinancialFreedom #RetirementIncome #TaxPlanning #advisedpodcast 

In this episode of #advisedpodcast we dive deep into essential retirement planning tips to help pre-retirees avoid costly mistakes. Learn about the importance of **estate planning**, why every family needs a **will** or a **trust**, and how to fix common gaps like outdated documents and incorrect beneficiaries.  
Key Take Aways:  ✔️ Why 60-70% of families don't have an estate plan—and why YOU should.  ✔️ The difference between a **will** and a **trust**, and how a trust can help you skip probate.  ✔️ Easy fixes for mismatched or missing **beneficiaries** on 401(k)s, life insurance policies, and savings accounts.  ✔️ How to keep your estate plan updated as life changes.  
This guide is packed with actionable advice to secure your family's future, reduce stress, and ensure your wishes are honored. Whether you're preparing for retirement or already retired, these tips are crucial!  

Today Hamilton and I discuss the ways investing during your retirement should be different, and the many ways it may be similar to how your invested now.  We go over the big mistakes we see people make in this area, and bust some of the old schools of thought around this topic that you might still be subscribing to.