Federal Employee Financial Planning Podcast

Is claiming Social Security early really the smartest move, or could it cost you more in the long run? In this episode, you'll learn how financial planners actually think about claiming strategies beyond the headlines and viral YouTube advice. We break down the real factors that matter and why there's no "one-size-fits-all" answer when it comes to turning on your benefits. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn FEFP: Maximizing Social Security with Elaine Floyd (EP73)

Are federal employees sitting on far more wealth than they realize? In this episode, financial planners Tommy Blackburn and John Mason break down the fundamentals of the Federal Employees Retirement System (FERS) and explain why your pension is only one piece of a much larger financial picture. You'll learn how the FERS pension formula works, what your "high-three" salary actually means, and how factors like minimum retirement age, years of service, and turning 62 can impact your retirement income. The conversation also covers how employee contributions have changed over time, how the Thrift Savings Plan (TSP) match works, and why understanding these core pieces is essential when planning your financial future. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn Avoid the Top Financial Mistakes Made by Federal Employees Thrift Savings Plan (TSP) Federal Employee Financial Planning: FERS Part 1 (EP5) Federal Employee Financial Planning: FERS Part 2 (EP6) Federal Employee Financial Planning: FERS Part 3 (EP7)

Are you choosing your Medicare plan based purely on math or on what truly fits your life? In Part 2 of our Medicare 2026 series, Bryan Gay, owner of Boomer Insurance and seasoned Medicare expert, returns to expand your understanding of the options available, especially if you're a federal employee or enrolled in TRICARE for Life. You'll learn why Medicare decisions aren't just about premiums and deductibles, why there's no one-size-fits-all solution, and how to evaluate whether switching plans actually makes sense for your situation. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn Bryan Gay: LinkedIn Traditional Medicare vs Advantage: Luxury Ride or Bus Pass? (EP46) FEHB: Shifting Landscape of Medicare, FEHB, and Part D (EP47) The TRICARE For Life Medicare Advantage: Rethinking Options (EP48) Medicare Masterclass on Enrollment and the Inflation Reduction Act (EP87)

Is your Medicare plan still working for you, or are you just hoping it is? In this episode, we're joined by Bryan Gay, owner of Boomer Insurance and a seasoned Medicare expert, fresh off another busy Annual Enrollment Period. Bryan breaks down how Medicare enrollment really works, what changed this past year, and why a "one-size-fits-all" approach often leaves people underinsured or overpaying. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn Bryan Gay: LinkedIn Traditional Medicare vs Advantage: Luxury Ride or Bus Pass? (EP46) FEHB: Shifting Landscape of Medicare, FEHB, and Part D (EP47) The TRICARE For Life Medicare Advantage: Rethinking Options (EP48) Medicare Masterclass on Enrollment and the Inflation Reduction Act (EP87)

Ever wondered what actually happens after you book an intro call with Mason & Associates? In this updated episode, we walk you through our new client experience from start to finish, including how our process works, what our fees look like, and what it's really like to work with us long term. Even if you're not ready to become a client, this episode gives you a clear picture of what to expect so you can make informed decisions, whether you hire us or someone else. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

Think you have to wait for Open Season to make meaningful financial decisions as a federal employee? This episode breaks that myth wide open. John, Ben, and Tommy walk through the most impactful moves federal employees can make any time of year, from optimizing your TSP and HSA to updating insurance, beneficiaries, and retirement strategies. Whether you're early in your federal career, nearing retirement, or already retired, this episode gives you a practical checklist to help you avoid costly mistakes, spot overlooked opportunities, and make more confident decisions year-round. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn Ben Raikes: LinkedIn Thrift Savings Plan (TSP) FEGLI (Federal Employees' Group Life Insurance) FEHB (Federal Employees Health Benefits Program) Blue Cross Blue Shield prescription drug tool Federal Long Term Care Insurance Program (FLTCIP) FEFP: Medicare Masterclass on Enrollment and the Inflation Reduction Act (EP87)

What if getting hacked isn't a question of if, but when? In this episode, Tommy Blackburn and John Mason break down the real-world cybersecurity risks they're seeing—not in theory, but from personal experience. After being compromised multiple times in a single year, John shares why even people with strong security habits can still be targeted, as well as what that means for retirees, business owners, and anyone managing meaningful assets. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

Do Roth conversions make sense for everyone? In this episode, we unpack the rules, strategies, and potential pitfalls of Roth conversions, as well as the role of taxes, spending, and charitable goals. You'll learn why it's not always wise to "just convert everything now" and why flexibility is a crucial part of any financial strategy. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What would your life look like if you actually used the money you spent years saving? In this episode, Tommy and John break down the idea of "flexing your money muscles" and why those muscles can mean tightening your spending or giving yourself permission to enjoy more. You'll learn how habits, confidence, and values shape our decisions, and why many people struggle to spend even when they can afford to. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What really happens after someone passes away—and why are so many families blindsided even when they think everything was "set up correctly"? In this episode, John and Tommy pull back the curtain on the messy, emotional, and often confusing reality of settling an estate. You'll learn why wills and trusts don't operate the way most people assume, as well as the true challenges in modern estate planning. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Federal Employee Financial Planning: Intro to Estate Planning (EP23) FEFP: Estate Planning Across State Lines for Federal Employees (EP76) FEFP: One Big Beautiful Bill Part 2 (EP100) FEFP: One Big Beautiful Bill Part 1 (EP99) HIPAA SSI (Supplemental Security Income) Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

Are you making the most of your federal health benefits this open season? Whether you're an active federal employee or retired, this time of year can feel overwhelming, but understanding your options can save you thousands and help you plan smarter for the future. You'll learn how to evaluate your current plan, balance premiums and out-of-pocket costs, and make confident, informed decisions before open season ends. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Medicare Masterclass on Enrollment, Costs, and the Inflation Reduction Act with Bryan Gay 10 Things Federal Employees Can Do Outside Of An Open Season Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn Ben Raikes: Website

What role should the G Fund really play in your TSP strategy? In this episode, Tommy, John, and Ben tackle one of the biggest questions federal employees ask during uncertain markets. You'll learn what to consider before making changes, how to rebalance your TSP effectively, and why trying to "time the market" often does more harm than good. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Federal Employee Listener Mail - Survivor Benefits, IRA Rollovers, and Small Pensions Lifcycle Funds Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn Ben Raikes: Website

What's really changing for federal employees retiring in 2025? In this episode, Tommy and John break down the new retirement process, including survivor benefits, electronic filing, and the realities of interest rates, refinancing, and investment risks. You'll hear clear guidance on how to navigate these updates, what to watch out for in "no closing cost" mortgage offers, and how to make confident financial choices during this pivotal transition. Access the full show notes at Mason & Associates, LLC Resources Mentioned: FEFP: Fork in the Road: Understanding Your Federal Retirement Options (EP86) FEFP: Social Security: Family and Survivor Benefits (EP37) Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What's the difference between reacting to taxes and truly planning for them? In this episode, Tommy and John break down the latest year-end financial planning and tax strategies every federal employee needs to know. With recent tax law changes and shifting financial dynamics, they tackle big questions like how the enhanced senior deduction works, when a Roth conversion makes sense, and why timing matters when harvesting capital gains. Access the full show notes at Mason & Associates, LLC Resources Mentioned: FEFP: One Big Beautiful Bill Part 2 (EP100) FEFP: One Big Beautiful Bill Part 1 (EP99) FEFP: An Inside Look at Strategic Planning Season (EP94) FEFP: Mortgage Strategies for Federal Employees with James Anderson (EP80) Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What does the One Big Beautiful Bill mean for everyday taxpayers? And how will it shape the financial future of federal employees across the country? In this episode, we continue our deep dive into the bill with Stephen Kimberlin of Forvis Mazars US, breaking down what it really means for people. Listen in as Stephen explains the nuances, clarifies common misconceptions, and provides practical insights to help you navigate this new tax landscape with confidence. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Stephen Kimberlin: LinkedIn Forvis Mazars Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What does the new One Big Beautiful Bill really mean for federal employees nearing retirement? Passed on July 4th, 2025, this sweeping tax legislation has stirred conversations across the country, but today we're zeroing in on how it impacts federal employees with significant investable assets. While business owners and high-income earners also feel the effects, our focus is on helping you understand what this bill means for your retirement planning, your tax strategy, and your financial future. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Stephen Kimberlin: LinkedIn Forvis Mazars Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What if the biggest threat to your financial plan isn't the stock market or taxes, but being underinsured? In this episode, Tommy and John sit down with Broc Buckles, co-founder of BC Brokerage, to talk about why insurance is a critical cornerstone of any financial strategy. Listen in to learn how to avoid overpaying, why working with a broker can uncover better coverage and rates than sticking with a single provider, and why the right insurance coverage could save you thousands while giving you peace of mind. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Broc Buckles: LinkedIn BC Brokerage Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What if your federal pension is small and you're not relying on it—should you still elect survivor benefits? In this episode, John and Tommy respond to a listener's detailed YouTube question about pensions, TSP, and survivor benefits when service time is short and other retirement savings are strong. They break down the real value of keeping survivor benefits, even when your pension isn't your main income stream. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn Federal Employees - DO NOT Decline Survivor Benefits!

Are credit cards still worth using with all the fees being passed on to consumers? In this episode, Tommy and John dive into a hot topic on their minds lately: the real pros and cons of credit cards, debit cards, and cash. They share their personal credit card habits, how many cards they each use, and the strategy behind maximizing rewards without falling into the trap of overspending. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What's the difference between active and passive investing, and when should you use mutual funds versus ETFs? In this episode, John and Tommy break down essential investing concepts that federal employees need to know, covering everything from the fundamentals of stocks and bonds to practical cash management strategies. You'll learn about active versus passive investing philosophies, the mechanics and tax implications of mutual funds and ETFs, and why dollar-cost averaging can help overcome emotional barriers in investing. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What does it really look like to work with a financial planning team that knows your federal benefits inside and out—and shows up for you year after year? In this episode, John and Tommy take you behind the scenes of Mason & Associates' Strategic Planning Meeting Season (SPM), where they conduct over 400 client meetings in just six weeks. They share real conversations, real actions, and the process that makes it all work. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn

What does it take to grow a financial advisory firm the right way, without sacrificing client experience? In this episode, John and Tommy pull back the curtain on the strategic direction of Mason & Associates, sharing how they're enhancing services, refining internal systems, and ensuring their clients feel heard, supported, and empowered. Whether you're already a client or someone searching for the right financial advisor, this episode offers valuable insights into the kind of care and intentionality you should expect from your advisor. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn SPECIAL EPISODE: New Client Process & Client Experience

Federal salaries don't always tell the whole story. In this episode, John and Tommy take a closer look at the true value of federal employment, highlighting how benefits like pensions, FEHB health coverage, TSP matching, and survivor options stack up against the private sector. You'll learn why it could take a 30-50% higher salary elsewhere to match the federal total compensation package, and why those numbers matter when making career decisions. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn The Federal Employees Health Benefits (FEHB) Program Retiring in Uncertain Times? Avoid This Survivor Benefit Mistake FERS Go Bag

Is reviewing your tax return enough or are you missing the bigger picture? In this episode, Tommy and John break down why simply looking at last year's return doesn't cut it, and how projection-based planning connects directly to key financial decisions like Roth conversions, mortgage deductions, and retirement income strategy. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn TurboTax Form 2210 – Underpayment of Estimated Tax H&R Block SPECIAL EPISODE: New Client Process & Client Experience

What does a real financial planner actually do—and how do you know if you've hired one? In this episode, Michael, Tommy and John break down the most common misconceptions about financial planning and explain why it's about much more than just investment management. You'll learn why financial planning is especially crucial for federal employees, how fiduciary standards impact the advice you receive, and what red flags to look for in a planner. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn: LinkedIn John Mason: LinkedIn Office of Personnel Management (OPM) VERA (Voluntary Early Retirement Authority)

What if your six-month emergency fund isn't enough? In this episode, John, Michael, and Tommy tackle the shifting financial landscape for federal employees in 2025. As government changes create uncertainty—think early retirements and layoffs—they share smart, strategic ways to prepare. You'll learn how to build a tiered emergency plan, optimize your liquidity, and adapt your lifestyle budget in case your income suddenly takes a hit. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Dave Ramsey Rocket Money EveryDollar Thrift Savings Plan (TSP) Don't Max Your TSP

Should you elect full survivor benefits when retiring as a federal employee? In this episode, John, Tommy, and Mike discuss one of the most critical decisions for federal retirees. They explore the costs, benefits, and long-term financial implications of survivor benefits, urging retirees to carefully consider their options. They also emphasize the importance of full survivor benefits for ensuring continued income for spouses after retirement, providing real-life examples to show how these benefits can impact financial security, tax advantages, and peace of mind. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Federal Employee Health Benefits (FEHB) Stay Wealthy Retirement Show Federal Employees - DO NOT Decline Survivor Benefits! Mason & Associates Interview with Wavy 10- Military Survivor Benefits

Medicare decisions can be overwhelming, and with rising costs and policy changes, making the right choice is more important than ever. In this episode, Bryan Gay, owner of Boomer Insurance Group, shares his insights from helping over 20,000 clients navigate Medicare enrollment, insurance options, and the impact of the Inflation Reduction Act. He explains why working with his team can be a game-changer and how choosing the wrong plan could cost you in the long run. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Bryan Gay: LinkedIn | Website Blue Cross Blue Shield Compare

Is the Deferred Resignation Program an opportunity or a risk for federal employees? In this episode, Tommy, John, and Michael break down what this program means, how it's impacting federal employees, and why having a solid financial plan in place is more important than ever. They'll discuss why you can't rely on every media headline, the importance of working with a knowledgeable team, and how to position yourself for financial stability—no matter how secure your job may seem. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn OPM FAQs

Did you know that the recent passage of the Social Security Fairness Act could significantly increase retirement income for many Americans? In this episode, John and Tommy break down the elimination of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), explaining how these changes impact public sector employees and their Social Security benefits. They discuss how financial advisors can help clients navigate these shifts, optimize their benefits, and prepare for potential tax implications. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Social Security Fairness Act MoneyGuide Pro RightCapital Dave Ramsey Episode 81: Social Security Shake-Up: What Proposed Changes Mean for Federal Employees Episode 73: Maximizing Social Security with Elaine Floyd Episode 41: Social Security In The News & We're Confused Episode 38: Social Security: The Tax Torpedo Episode 37: Social Security: Family and Survivor Benefits Episode 36: Social Security: Beyond the Basics Episode 35: Social Security: How to Maximize Your Benefits Episode 30: SECURE 2.0 Episode 12: Federal Employee Financial Planning Social Security Fairness Act: WEP Episode 11: Federal Employee Financial Planning Social Security Fairness Act: GPO

Are you ready to make informed decisions about your federal benefits and financial future? In this episode, Tommy, John and Ben explore the current market landscape and what the start of 2025 could mean for investors, especially those navigating the complexities of federal benefits. They discuss the importance of staying focused on long-term growth despite market volatility and share actionable tips on building a financial plan for the new year, balancing personal goals, tax considerations, and investment strategies. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Ben Raikes: Website Mason & Associates YouTube Channel Best Days to Retire as a Federal Employee Don't Close TSP Don't Max Your TSP Do NOT Decline Survivor Benefits

How will upcoming changes to the Thrift Savings Plan (TSP) impact your retirement strategy? In this episode, John, Tommy, and Ben explore the evolving landscape of TSP, focusing on new contribution limits and, coming in 2026, in-plan Roth conversions. They emphasize the importance of a collaborative approach to financial planning, avoiding groupthink, and tailoring strategies to each client's unique needs. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Tommy Blackburn: LinkedIn John Mason: LinkedIn Ben Raikes: Website Dave Ramsey Thrift Savings Plan (TSP) Michael Kitces

What happens when Elon Musk and Vivek Ramaswamy take the reins of government efficiency? In this episode, John, Tommy, and Ben dive into the bold initiatives of Trump 2.0's Department of Government Efficiency (DOGE), led by Musk and Ramaswamy. With plans to slash $2 trillion in federal spending and eliminate entire agencies, this duo's vision could ripple through the federal and state systems, impacting employees, communities, and businesses alike. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Know The Score Key Retirement Options and Benefits for Federal Employees

Are you concerned about the future of Social Security? ith proposed changes to taxation and potential expansion of who is eligible for benefits, it's more important than ever to understand how these changes could impact your retirement. In this episode, John, Tommy, and Ben, explain the complexities of Social Security. Access the full show notes at Mason & Associates, LLC

Are you a federal employee curious about the best mortgage strategies in today's market? In this episode, John and Tommy are joined by James Anderson, Regional Market Manager at CapCenter, to explore how inflation, interest rates, and economic resilience impact federal employees looking to buy or refinance. Learn how income is defined for mortgage purposes, why interest rates might improve over time, how to navigate today's market without waiting for rates to drop, and how federal retirees can downsize smartly. Access the full show notes at Mason & Associates, LLC

Are you still relying on traditional tax preparation methods or software? In this episode, John, Tommy, and special guest Rachel Meredith from Banks Mountain Financial dive into the crucial difference between tax planning and simple tax preparation. They explain why a proactive, year-round tax strategy is key to long-term financial success, as well as how their seamless collaboration helps clients navigate tax challenges with a forward-thinking approach. Access the full show notes at Mason & Associates, LLC

Are you paying the right price for financial advice? Join Ben, Michael, John, and Tommy as they break down the complexities of financial advisor fees and the real value behind them. They'll reveal the "all-in" costs clients face and explain why fees aren't always comparable, shedding light on what makes a financial advisor worth their price. Through this episode, you'll learn to assess the true worth of specialized advisors and why experience, like that of a seasoned CFP or CPA, might demand a higher price tag. Access the full show notes at Mason & Associates, LLC

What happens when emotions mix with investments? In this episode, we dive into the intersection of politics, markets, and personal finance. John and Tommy share insights on how to design a portfolio that minimizes unknowns, regardless of political changes. You'll learn why staying the course is crucial—even when market predictions seem tempting—and how a solid, long-term strategy can help you avoid emotional pitfalls. Access the full show notes at Mason & Associates, LLC

Are you a federal employee planning for retirement but feeling overwhelmed by your options? In this episode, Michael, Ben, Tommy, and John break down the Federal Employee Retirement System (FERS), explaining key retirement benefits and strategies to maximize your pension. From the differences between immediate retirements to the role of sick leave and survivor benefits, this episode covers what you need to know. Access the full show notes at Mason & Associates, LLC

What happens to your estate planning documents when you move between states? In this episode, Megan Ingram and Julie Steinbacher from Steinbacher, Goodall & Yurchak share expert advice on the legal implications of relocating and how it affects your estate plan. You'll learn about the importance of keeping your documents updated, especially after major life changes or moves, and how laws like the Uniform Trust Act help estate documents travel across state lines. Access the full show notes at Mason & Associates, LLC

Are you confused about when to refinance your mortgage or how interest rates affect your decisions? In this episode, John, Tommy, and Ben dive into critical financial topics for federal retirees navigating today's housing market. You'll learn about the challenges of refinancing, when it's a good idea, and when you might want to hold off. They also explore discount points, what makes buying a home more difficult now than in the past, and how to prepare for future market changes. Access the full show notes at Mason & Associates, LLC

Are you truly prepared for the unexpected? In this episode, Michael, Tommy, and John dive into how to protect yourself financially, tackling the common objections and biases they encounter in their decades of experience. You'll hear key insights on insurance, including how to ensure you're covered before you need it, how FEGLI Option B compares to Basic, and why life and disability insurance are non-negotiable. Listen in to learn why it's crucial to plan both for living a long, fulfilling life and the unexpected realities that could happen tomorrow. Access the full show notes at Mason & Associates, LLC

What's the best way to maximize your Social Security benefits? In this episode, Tommy and John dive into this critical topic with expert Elaine Floyd, CFP®, who shares insights from her extensive experience in retirement and life planning. Elaine explains the intricacies of Social Security, emphasizing that your benefit and retirement strategy should be tailored to your unique situation, rather than following a one-size-fits-all approach. Access the full show notes at Mason & Associates, LLC

Is it the right time to hire a financial planner? In this episode, Tommy, John, and Michael dive into the intricacies of financial planning and highlight the importance of expert guidance. They discuss the pitfalls of trying to manage your finances alone, the risks of bad advice, and why getting professional help early on can make all the difference. Access the full show notes at Mason & Associates, LLC

Are you wealthier than you think? In this episode, John, Tommy, and Mike will explore how you can activate your millionaire powers and start making decisions based on what you can afford, rather than what you think you can't. They'll discuss the importance of having a proactive approach to financial planning, so you're prepared to make well-informed decisions before it's too late. Access the full show notes at Mason & Associates, LLC

What goes into a successful strategic planning meeting? In this episode, Tommy, John, Ben, and Michael dive into their strategic planning meeting season, sharing valuable insights and lessons learned. They discuss the importance of holding these meetings to ensure everyone is aligned in their financial plans for 2024. You'll learn why it's crucial to plan for your future early and avoid letting retirement sneak up on you, as well as the significance of having a consistent and smooth approach to retirement planning. Access the full show notes at Mason & Associates, LLC

Have you considered whether your financial plan can adapt to fit your life as things change? Join Tommy, Michael, John, and Ben in this episode as they unpack distribution planning assumptions and explain why a one-time financial plan falls short. They tackle the myth that running out of money equals failure, highlighting how other income sources like federal benefits and investments can play a crucial role in financial security. Access the full show notes at Mason & Associates, LLC