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Category: Podcast

Ep. 76: The Unsung Hero of Retirement Accounts

The Planning For Retirement Podcast

Roth IRAs, 401ks, Health Savings Accounts and Traditional IRAs generally get the most hype when it comes to saving and investing for retirement.  

However, the TAXABLE BROKERAGE ACCOUNT, in my humble opinion, is the unsung hero in the retirement planning puzzle.  This is due to the ultimate flexibility and surprising tax efficiency during the accumulation, distribution, AND legacy phases.  

Check out this episode where I talk about the benefits in each phase, as well as some of the mistakes I see retirees make when using these accounts to plan for and execute a successful retirement.

I hope you enjoy it!

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 75: 12 Takeaways From Retirement Planning Reviews in 2025

The first quarter of every year is a great opportunity for us to meet with our clients and discuss things like:

  • Required Minimum Distributions (RMDs)
  • Cash Flow Needs
  • Rebalancing opportunities and overall market outlook
  • Tax opportunities before the deadline
  • Tax opportunities to tee up for the year(s) ahead
  • And overall retirement planning landscape for each of our clients

But this past quarter, we have had some significant volatility relative to what we’ve seen since 2022 when inflation topped out at 9.1%!!

There were some great takeaways I wanted to share in hopes that it will HELP YOU in your journey to plan for and execute a successful retirement…

I hope you enjoy this episode, and make sure to share it with a friend who is “PFR Nation” caliber!  Thank you!

-Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 74: Don’t Wait To Spend Your Roth Accounts!

The conventional wisdom is to spend down your taxable accounts first, then your tax-deferred accounts, and finally your tax-free accounts.  However, this may not always be the case.  

In this episode, I’ll break down the case of “Rory and Erica” on the whiteboard, which goes against this conventional wisdom.  

We’ll cover max spending strategies, optimal investment strategies, tax-efficient withdrawals, charitable giving, and long-term care planning.

I hope you enjoy this edition of the Whiteboard Retirement Plan!  Make sure to share this with someone who would find it useful.

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 73: When The VIX Is High, It’s Time To Buy

The VIX (Wall Street’s fear index) topped out at 57 as I write this on 4/9/25.  Which for perspective, 15 is a normal level.  In 2020, the VIX topped out at 66, and in 2008 it topped out at 88!  So, this means there is a lot of fear in the markets.

We just wrapped up our Q1 reviews, and our clients are also in that camp feeling uncertainty.  However, the market rallied today (4/9/25) with the S&P 500 gaining 8.5%!  

This is just a friendly reminder that you never want to bail on your strategy during periods of volatility.

We’ll break down the VIX, we’ll also talk about the winners and losers in the market from the first quarter.

I’ll share some questions that are on my mind related to economic uncertainty.  

And finally, I’ll talk about 4 tactical strategies for you to implement during this time of market volatility.  

I hope you find it helpful!

~ Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 72: My Top 20 Golf Courses

Shoutout to my wife, Jess, for this podcast idea!  I started my list with 5, then went to 10…but I had to put 20 down for this list!  But, there are several more that SHOULD have made this list!

We talk about purpose in retirement, and what better purpose than to have some amazing golf courses that you want to play in retirement!?  

My hope is to provide some inspiration as you all plan for retirement and begin to hit some of your bucket list golf courses!

Enjoy this one and let me know what you think of my list.  And let me know what courses I should be targeting as I continue to explore the amazing world of courses out there!  

Thank you!

-Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 71: Bullish on Bonds!?

The Federal Reserve elected to hold steady on rate cuts for now.  The market did react positively to this news, but ultimately volatility has ensued since then in response to tariff concerns and their impact on inflation.  So naturally, we are fielding more and more questions about the markets and the impact on their retirement portfolio.  

As a result, I wanted to dig into past economic cycles where interest rates had peaked (like they did in 2024) and ultimately rate cuts began (like in September of 2024).  I looked at the results for the S&P 500 returns vs. the Bond Index returns for each cycle from when rate cuts began to when they bottomed out, and there were 5 of them since 1980 (Hyperinflation).

I think you’ll be interested in the results!    

Of course, this is in no way solicitation to buy or sell ANY securities, as this is for general education only.  

Hope it helps.

-Kevin 

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 70: Celebrating 4 Years of Independence

Our retirement planning firm, Imagine Financial Security, turned 4 in February and I have been wanting to do a podcast celebration for this one! 

To celebrate, I thought I would do an episode about some of my initial experiences of going independent as a financial advisor.

  • I’ll touch on 4 things I miss about working for a larger financial institution.
  • Then, I will touch on 4 of the things I LOVE about being an independent financial advisor.

I hope you guys enjoy it.

Happy 4th Anniversary to IFS!

And, congratulations to Roberto Fortuna on his official promotion!

~ Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 69: 14 Ways to Protect Your Retirement from a Bear Market

No, I’m not saying a Bear Market is certain.  Nobody has a crystal ball.  However, the markets are volatile right now, and it’s a great reminder that the market doesn’t operate on a straight line upwards.  It has bumps along the road.  And that is a GOOD thing!  If there was no risk, there would be no opportunity for gains!

However, it’s important to begin preparing before you enter a bear market, or worse, a recession.  

In this episode, I’ll discuss 14 Retirement Planning moves to help you prepare for the NEXT bear market.  Because it’s not a function of “if,” but “when.”  

As always, everyone’s situation is unique, so please consult with your own advisors before making any changes!  This is for educational purposes only.

I hope you find it helpful.

-Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 68: 9 Reasons to Claim Social Security Early

The default assumption for many online social security calculators, financial planning tools and expert advice tells you to DELAY Social Security as long as possible!  After all, that does yield the highest monthly benefit, assuming you wait until age 70.

Well, that may not be the best strategy for you!  

In this episode, I am going to break down 9 reasons why you may want to claim Social Security early!   

As always, everyone’s situation is unique, so please consult with your own advisors before making any changes!  This is for educational purposes only.

I hope you find it helpful.

-Kevin

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

Ep. 67: Retire at 62/61 with $1million IRA, Optimize Social Security, Managing IRA Withdrawals, Optimize Taxes

Today, we will be looking at a client example of a 62/61 year old couple with $1mm inside of a Traditional IRA, about $50k in cash savings, and a $450k home that is paid off.  

In this episode, we’re going to dive into the timing of their Social Security income, IRA distribution strategy, Roth Conversions, as well as their investment strategy.  We’ll also discuss some of the key risks they’ll face throughout retirement.  

I hope you enjoy this 4th edition of the “Whiteboard Retirement Plan.”

-Kevin

⁠⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠Click this link to fill out our Retirement Readiness Questionnaire

Connect with me here:

Or, ⁠⁠⁠⁠⁠⁠⁠⁠visit my website

This is for general education purposes only and should not be considered as tax, legal or investment advice.

[email protected]
(904) 323-2069

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