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Category: Podcast

Ep. 108: Underspending in Retirement, How to Position an Annuity, Pre-Tax vs. Roth Debate (Q+A Session)

Hi PFR Nation!

This week I’ve got a Q&A session focused on current hot topics and debates including:
~ Underspending in Retirement
~ How to Position an Annuity
~ Pre-Tax vs. Roth Debate

I hope you enjoy this episode and find some nuggets of information that you can use. 

Wishing you all a wonderful holiday season and Happy New Year!

– Kevin

⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 107: 6 Paths to Health Insurance for Early Retirees

If you are retiring before you turn 65, the healthcare gap is probably top of mind. In today’s episode, I’ll talk about 6 paths to healthcare coverage to bridge the gap until you are eligible for Medicare. I hope it helps.

FYI, I am NOT a health insurance expert! This episode was made possible because my current premium was skyrocketing 70% next year, so I decided to shop it. However, each state will have its own complexities and nuances. Nonetheless, I hope this gets you started in the right direction.

Kevin

Resources:

• Roth Conversion Trap on ACA Premium Tax Credits (video)

• Don’t fall off the cliff. Explaining the cliff for ACA premium tax credits in 2026 and beyond (video)

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 106: Can You Quantify the Value of a Financial Advisor?

Advisor’s Alpha is Wrong!

Vanguard, the King of NO fees, puts out an annual study where they attempt to quantify the value of a comprehensive financial advisor. I can attest to many of the services mentioned, but it is very difficult, if not impossible, to determine the exact % of additional value added those services can provide. In any event, I think Vanguard actually misses the mark on a few of these, particularly because of WHO you are (PFR Nation).

I also believe Vanguard fails to include one of the MOST important factors when considering the value of a financial advisor. And yes, I acknowledge that I am a VERY biased source on this topic. However, you might find it surprising where I land on some of the points Vanguard makes.

I hope you find it useful!

Kevin

Resources:

  • Vanguard Advisor’s Alpha

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 105: Whiteboard Retirement Plan (Retire with $2.3 million AND Die with $2.3 million)

PFR Nation,

I hope you all had a wonderful Thanksgiving holiday! It’s been a while since we did a Whiteboard Retirement Plan breakdown, so lets get this back in the rotation!

In this scenario, we are looking at a baseline scenario for Jack and Barbara, who have saved $2.3million for retirement, mostly in tax-deferred accounts. They would like to retire at 61 (2026), but they are very concerned about financial legacy for their two adult children. In fact, not only do they want to protect and preserve their assets, but they also want to do so on an inflation-adjusted basis! Let’s see how they are tracking with the baseline plan, and let’s see what levers they need to pull in order to achieve their retirement AND legacy objectives.

And I’d love to hear from you all. What levers would YOU pull if you were Jack and Barbara?

Thanks for tuning in and please make sure to leave us a nice review if you are finding value in the content!

-Kevin

⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 104: 8 Roth Conversion Tax Traps

PFR Nation,

It’s the most wonderful time of the year…

You guessed it…it’s ROTH CONVERSION time! 😊

In all seriousness, Happy Thanksgiving all of you! Wishing you a wonderful start to the holiday season.

Roth Conversions are a hot topic in our business at the end of the year, so I thought I’d do a video about some common tax traps every day retirees run in to as they are converting assets to Roth. I hope you find it useful!

Let me know if there are any other tax traps you can think of.

Also, drop a comment…do you plan to convert your IRA to Roth during your Roth Conversion window?! I would love to hear from you.

-Kevin

Resources mentioned:

  • The ACA Premium Tax Credits Are Changing in 2026 (video)
  • 7 Reasons NOT to convert your IRA to Roth (episode)

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website, so we can learn more about how we can help in your journey to and through retirement.

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. 103: 100 Episodes, 100 Lessons (Part 4)

Welcome to PART 4 of 100 Episodes, 100 Lessons (for retirees and pre-retirees).

In this episode, we’ll walk through episodes 76-99 and bring home some key takeaways for you as you plan for and execute a successful retirement. I hope you enjoy this one!

If you are over 50, you’ve saved north of $1million for retirement, and you want to maximize retirement income, minimize your lifetime tax bill, and worry less about money…hit the FOLLOW button so you don’t miss out on the next 100 episodes!

-Kevin

⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 102: 100 Episodes, 100 Lessons (Part 3)

PFR Nation,

Welcome to PART 3 of 100 Episodes, 100 Lessons (for retirees and pre-retirees).

In this episode, we’ll walk through episodes 51-75 and bring home some key takeaways for you as you plan for and execute a successful retirement. I hope you enjoy this one! 

If you are over 50, you’ve saved north of $1 million for retirement, and you want to maximize retirement income, minimize your lifetime tax bill, and worry less about money…hit the FOLLOW button so you don’t miss out on the next 100 episodes! 

-Kevin

⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.

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. 101: 100 Episodes, 100 Lessons (Part 2)

The journey continues. We are walking through 100 lessons from the first 100 episodes in this 4-part series. I hope you enjoy part 2!

If you are over 50, you’ve saved north of $1million for retirement, and you want to maximize retirement income, minimize your lifetime tax bill, and worry less about money…hit the FOLLOW button so you don’t miss out on the next 100 episodes!

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.
~ Kevin

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. 100: 100 Episodes, 100 Lessons (Part 1)

PFR Nation:

Thank you all for supporting this show for the last few years. Especially for those of you who supported me in the early days when I thought nobody was listening. I even took a 4 month hiatus without announcing it because we were so in the trenches with our boys. All of a sudden I get an email out of the blue asking “Are you still doing the podcast?” That was the motivation I needed to get back in the game and just ‘hit record.’ In 2023, I began posting consistently ever 2 weeks. And in the beginning of 2025, I decided to go weekly! It hasn’t been easy, but I just want to thank all of you for keeping me motivated, this is why I do what I do. Keep the comments coming and make sure to share our show with someone you care about who is PFR Nation caliber!

Naturally, I was overthinking what I would do for this episode. However, my wife helped me simplify it per usual. I will be breaking down my top takeaway/lesson from all of the previous episodes, and we’ll do it in 4 parts. Part 1 covers episodes 1-25, so lets take a walk down memory lane together and recap important points from those early episodes. I hope you enjoy this series!

-Kevin

⁠⁠⁠Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website, so we can learn more about how we can help in your journey to and through retirement.

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. 99: How Do We Design a Plan When My Spouse And I Feel Differently About Retirement Income? How Do I Possibly Calculate How Much For Long-Term Care, Medicare, Health Care? (Retirement Q&A)

PFR Nation,

As you know, we are well underway with our free giveawaysfrom a couple of weeks ago. And as I mentioned last week, we received a lot of great comments in that YouTube thread! So last week, I touched on three of the questions in a Q&A format.  Today, I’ll address three more! 

Here they are:

1.       “So how do you actually build a retirement income plan that both people can sleep at night with when one side wants market exposure and the other wants safety?”

2.       “I’ve set aside (spreadsheet) my calculated number to self-fund my long-term care, but the variables and assumptions concern me.”

3.       “How do we pay for health care before Medicare?”

You’re not going to want to miss this one, and hope you find it useful!  Thanks for tuning in.

-Kevin

Resources Mentioned in this Episode:

  • Genworthand Carescout Cost of Care
  • The ACA Premium Tax Credits AreChanging in 2026! (PFR Video)

Are you interested in working with me 1 on 1?⁠⁠⁠⁠⁠⁠⁠⁠ 

⁠⁠⁠⁠⁠⁠⁠⁠You can start with our Retirement Readiness Questionnaire linked on our website, so we can learn more about how we can help in your journey to and through retirement.

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.

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(904) 323-2069

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