The Retirement Solution

Are you chasing retirement income while the rules keep changing? This episode explores the maze of income options, from dividend stocks and annuities to buffered ETFs and principal-protected notes. Jon Hicks breaks down the risks, rewards, and behavioral traps that can derail your financial future. Learn why having three to five income streams—and a flexible plan—is essential for lasting retirement security.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What happens when your retirement math suddenly changes? Jon Hicks explores why most inheritances vanish in five years, how longevity and inflation challenge old withdrawal rules, and why organizing your financial “junk drawer” is the key to a confident retirement. Discover practical insights on trust planning, income strategies, and building a clear, actionable blueprint for your future. Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you ready for the big changes coming to your 401k? Jon Hicks breaks down new rules for alternative investments and super catch-up contributions, revealing how these updates could impact your retirement strategy. Learn why asset location matters as much as allocation, and how understanding the tax game can help you protect your savings from rising rates and government grabs. Get practical insights to navigate the evolving landscape and make smarter decisions for your financial future.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Think saving for retirement is the hard part? Jon Hicks reveals why planning for retirement is even more complicated, with new 401k rules, alternative investment options, and the critical need for multiple income streams. Hear real-life stories—including a cautionary tale about relying on a single source of income—and learn how to avoid common pitfalls as you navigate today’s financial maze. Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you still following retirement rules that could be holding you back? In this episode, Jon Hicks breaks down three outdated financial “truths”—the 4% rule, chasing a magic retirement number, and the push to be completely debt-free. Discover why these common guidelines may not fit today’s retirement reality, and how a customized plan can help you make smarter decisions with your savings. Learn how leveraging your assets, understanding your real income needs, and ditching one-size-fits-all advice can transform your retirement strategy.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Think a $14 million signing bonus means instant riches? RG3’s tax shock reveals what retirees face with their own savings. In this episode, Jon Hicks breaks down how taxes, outdated retirement rules, and unexpected life events can derail even the best-laid plans. Learn why the 4% rule and magic retirement numbers may not work for you, and how stress testing your portfolio can prepare you for real-life curveballs—all with practical insights for today’s retirement landscape. Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Should you start scaling back risk 3, 5, or even 12 years before retirement? Financial advisor Jon Hicks breaks down the latest research, market trends, and personal psychology behind de-risking and diversification. Learn why timing, income streams, and a holistic plan matter more than chasing market returns. Real stories and actionable advice help you build protection, income, tax, legacy, and healthcare into your retirement strategy.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is your retirement plan built on myths or real math? Financial advisor Jon Hicks unpacks the truth behind “magic numbers,” market drama, and tax moves, revealing why personalized planning beats one-size-fits-all advice. Discover how income streams, risk management, and tax strategies can transform your retirement journey—plus the surprising pitfalls of relocating for lower taxes. Tune in for practical insights and real stories that help you retire with confidence. Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Why do so many retirees hesitate to spend—even after years of saving? Financial advisor Jon Hicks dives into the psychology of spending in retirement, exploring the fear of running out of money and how to build income streams that give you confidence. Discover the concept of “front loading” retirement, strategies for enjoying your savings while you’re healthiest, and why a smart plan can help you spend without regret.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Can you really make your money last for a 30-year retirement? Discover why old withdrawal rules may no longer work and how longevity, inflation, and market behavior can threaten your nest egg. Jon Hicks shares the “elegant simplicity” of the three-bucket strategy, revealing how smart income planning, diversification, and tax strategies can help you stay retired—no matter what the future brings. Tune in for practical insights to secure your financial future.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Want to know how wealthy retirees keep more of their money? Jon Hicks reveals the tax strategies, bracket bumping, and investment moves that millionaires use to grow and protect their wealth in retirement. Learn about Roth conversions, tax gain harvesting, RMD planning, and new ways to defer taxes on business sales—all explained in clear, actionable language   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What three conversations should every couple have before turning 65? In this episode, Jon Hicks breaks down the essential retirement talks—from daily routines and spending priorities to healthcare planning. With humor and insight, Jon shares why financial planning often feels like marriage counseling and how honest communication can shape a happier retirement. Learn how to align your goals, understand the numbers, and prepare for the unexpected.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you stuck in the “just one more year” mindset about retirement? In this episode, Jon Hicks of J. Hagan Capital explores the emotional and psychological traps that keep people working longer than they need to. From test-driving retirement with unused PTO to finding purpose beyond your career, Jon shares practical ways to break free from procrastination and start living the life you’ve saved for. Hear how his own father’s story shaped his mission to help others retire with clarity and confidence.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is your 401(k) quietly draining your retirement savings? In this episode, Jon Hicks of J. Hagan Capital exposes hidden fees, underperformance, and limited investment options in many 401(k) plans. Learn how a 401(k) x-ray can reveal what’s really going on—and how strategies like in-service rollovers and mega backdoor Roth conversions could help you take control of your financial future.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is your 401k about to get risky—or revolutionary? Financial advisor Jon Hicks breaks down the latest investment options showing up in retirement plans, including private equity, hedge funds, and even crypto. Learn why these offerings are gaining traction, what risks they carry, and how accredited investors can already access them through IRAs. It’s a deep dive into volatility, liquidity, and the power of non-correlated returns.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is working one more year really worth it? In this episode, Jon Hicks challenges the conventional wisdom around delaying retirement. They explore who truly benefits from postponing your exit—and it might not be you. From strategic planning to business exit strategies, they unpack how timing, tax efficiency, and personal goals shape a fulfilling retirement. Whether you're an employee or a business owner, this conversation will help you rethink your timeline.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Think taxes end with April 15th? Think again. In this episode, Jon Hicks unpacks the difference between tax prep and tax planning—especially in retirement. He breaks down the latest updates from the OBBA (One Big Beautiful Bill Act), how Social Security taxation has evolved, and why most retirees face more complex tax situations than they expect. From income stream strategy to lifetime tax reduction, this episode explores how smart planning can help you keep more of what you’ve saved.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What happens when the U.S. debt soars and fewer countries want to buy our bonds? In this episode, Jon Hicks breaks down how rising national debt, failing bond auctions, and inflation could impact your retirement portfolio. From the risks of traditional bonds to the potential of private credit and annuities, Jon explores alternatives to the classic 60/40 model—and why now might be the time to rethink your fixed income strategy.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

If it costs two cents to make a penny, what else in your financial life doesn’t make sense? In this episode, Jon Hicks breaks down outdated investment strategies that could be quietly draining your retirement savings. From tax-inefficient mutual funds and high-fee variable annuities to underperforming insurance policies, Jon explains how to spot financial dead weight and what to do about it. It’s not about panic—it’s about clarity, control, and knowing when to pivot. Tune in for a practical, eye-opening look at what might be hiding in your portfolio.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is buying the dip the same as a Roth conversion? Not quite—but there’s a smart way to connect the two. In this episode, Jon Hicks breaks down how market downturns can create tax-savvy opportunities—if executed correctly. From risk arbitrage to asset location, Jon explains why good ideas often fail without the right strategy. Whether you're eyeing a Roth conversion or just trying to avoid costly tax mistakes, this episode helps you understand when these moves make sense—and when they don’t.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the secret to retirement confidence is as simple as three buckets? In this episode, Jon Hicks of J. Hagan Capital breaks down his “Now, Soon, and Later” strategy for managing retirement income through market volatility. With insights on liquidity, income generation, and long-term growth, Jon explains how to structure your assets to weather downturns without panic. From emergency funds to annuities and investment properties, this conversation offers a grounded approach to building a plan you can actually stick to—no matter what the market throws your way   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

One wrong move can ruin a vacation—and your retirement. In this episode, Jon Hicks draws a sharp comparison between travel mishaps and financial missteps, revealing the top three mistakes that can derail your retirement: claiming Social Security at the wrong time, failing to shift to a conservative investment strategy, and overspending without a plan. Learn how to avoid these pitfalls and build a retirement that lasts.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What happens at age 59½ that could change your retirement strategy? Financial advisor Jon Hicks breaks down the key age milestones that shape your retirement decisions—from in-service withdrawals and Social Security timing to Medicare enrollment and required minimum distributions. Learn how each age unlocks new financial choices and why getting a second opinion might be worth it. Whether you're DIY-ing your plan or working with an advisor, this episode helps you think through the critical checkpoints on your retirement timeline.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you ready to navigate the emotional and financial maze of retirement? Jon Hicks goes through the evolving roles of financial coaching and advising, focusing on the transition into retirement and how to structure exit strategies for business owners. Learn how to align your goals with your financial plan, explore the balance between lifestyle and savings, and uncover the hidden challenges of leaving a business behind. Whether you're looking to retire early, maximize your savings, or redefine your post-retirement identity, this episode explores holistic planning that prioritizes your aspirations over numbers.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What does Warren Buffett’s investment wisdom have to do with your retirement? Jon Hicks dives into his core principles—stick to a plan, avoid emotional decisions, and don’t lose what you can’t afford to lose—and reimagines them for today’s retirees. From “bucket strategies” that ensure financial stability to balancing traditional investment approaches with emerging opportunities like AI and crypto, this discussion unpacks how to live the retirement life you’ve envisioned while navigating modern complexities. Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

A financial legacy can be complicated and overwhelming, especially without proper planning. Jon Hicks discusses the importance of legacy planning and how failing to do so can lead to costly legal battles and hefty tax bills. Celebrity examples like James Gandolfini, Kobe Bryant, and Aaron Carter illustrate the consequences of not having updated estate plans. Jon emphasizes the need for a will, particularly for those over 45 or with children, to ensure that your assets are distributed according to your wishes.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retiring in uncertain economic times can be daunting, but a well-structured plan can help you navigate these challenges. Jon Hicks goes through the impacts of recession fears on retirement plans. Discover how a well-thought-out strategy can help you navigate market uncertainties and ensure a sustainable income during retirement. Learn about the five key pillars of a successful retirement plan and how to implement them to protect your financial future.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement planning can be daunting, especially when considering tariffs and economic fluctuations. Jon Hicks explores how retirees and soon-to-be retirees can assess their financial position, understand their income sources, and ensure their financial stability. John Hicks and his team delve into what it means to be 'positioned well' and share insights on spending wisely, protecting your income, and making thoughtful decisions about your finances in retirement.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Have you considered how the outdated 4% rule could impact your retirement? Jon Hicks delves into the revised 4.7% rule by William Benjamin, emphasizing the risks of relying solely on market returns averaging 9%. He scrutinizes the sequence of returns risk, explaining how early losses can drastically reduce retirement savings. Jon also discusses the need for realistic financial planning and the pitfalls of blanket advice, urging listeners to tailor their strategies to current economic conditions.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you truly ready for retirement? Jon Hicks dives into the emotional and financial aspects of retiring, emphasizing four crucial elements: emotional preparedness, sufficient savings, managing portfolio depletion, and discussing plans with your significant other. These factors are vital in determining whether you can retire now or need to wait. Planning for retirement involves understanding both financial stability and personal readiness to ensure a smooth transition.   Schedule your complimentary appointment today: RetirementSolutionShow.com   Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement planning can be simplified using a three-bucket approach: Immediate Income Short-term Income Long-term Growth. Jon Hicks explains how these 3 buckets work together to navigate market fluctuations and economic uncertainties, providing a structured plan for financial stability. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

The market’s up… the market’s down… back up… then back down… and tariff policy is constantly changing. Is stability possible during nonstop turbulence? Jon Hicks dives into the essentials of setting up a secure retirement plan amidst economic uncertainties and ever-changing policies. He explains how to balance risk and safety with clear strategies that could ensure steady income while safeguarding principal. Jon also touches on how different market conditions impact your retirement funds and discusses how to maintain equilibrium in a fluctuating economy. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What investments are dragging down your portfolio? Jon Hicks explains how to clean out your investments and eliminate underperformers such as TDFs to maximize gains. He discusses the option of rolling over your 401k into a self-directed IRA at 59 and a half to gain more control of the assets to invest in. Jon also touches on other investments to avoid, such as high-dividend ETFs that pose more risk than people may realize. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement can be unpredictable, especially when faced with unexpected layoffs and economic shifts. Jon Hicks explores the emotional and financial impact of forced early retirement and offers practical strategies for navigating these challenges. From calculating buyout packages to adjusting retirement plans, Jon covers essential steps that could lead to a secure and stable future during your golden years. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is stagflation a possibility? Is a recession looming? How will these impact your retirement? Jon Hicks explains that with economic uncertainty and market fluctuations, retirees and those nearing retirement need to prepare for potential financial challenges. He explores the impact of market downturns, emphasizing the importance of maintaining income streams during such periods and mitigating taxes through proper planning. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Ever wondered how market risk affects your retirement plans? In times of economic uncertainty with Trump’s plans for tariffs, Jon Hicks explains that understanding income sources, maintaining emergency reserves, and evaluating risk tolerance are essential to retirement planning. He explores strategies to find security amidst market turbulence, with insights into creating a balanced portfolio. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Jon Hicks explores how fluctuating tariffs and unpredictable policies impact your investments. He discusses strategies to protect your retirement funds and navigate market volatility, highlighting the importance of having a solid distribution and income plan. Jon explains the importance of understanding the risks associated with sequence of returns and how to avoid common pitfalls that can jeopardize your financial future. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

In today's market climate, diversifying your 401k is crucial as relying solely on the S&P 500 might not be the best strategy. Jon Hicks breaks down historical data that shows that energy, commodities, and managed futures can offer better returns during periods of market stagnation. By understanding the overlap in your investments, Jon explains that you can make smarter decisions and potentially reduce costs. Jon also explores how rolling over your 401k into an IRA at age 59 and a half gives you more control and flexibility with your retirement funds. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Are you prepared for high interest rates in retirement? With inflation and rates remaining higher, Jon Hicks explains why it's crucial to understand the impact these things have on your investments and debt. He explores the importance of locking in high-rate investments, understanding market risks, and ensuring your portfolio is protected. Jon discusses strategies for both pre-retirees and retirees and emphasizes the need for a comprehensive plan to navigate economic headwinds and ensure financial stability. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement portfolios potentially face significant challenges due to potential low returns over the next decade. Jon Hicks explores why historical patterns show that after high returns, markets often experience downturns or low growth periods. He explains that the key is understanding protections, returns assumptions, and seizing current opportunities. With inflation and market volatility, it's crucial to plan effectively to ensure a secure retirement. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Artificial intelligence is reshaping our world, but how will it impact your retirement? Jon Hicks dives into the potential volatility AI introduces to the market and how it intertwines with President Trump’s policies, affecting tariffs and trade. He discusses the implications for your investments, especially if you're nearing retirement. Jon emphasizes the need for strategic planning to navigate market fluctuations and ensure financial stability. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Over 60% of people aged 55 to 75 prioritize protecting their savings over seeking growth. With recent economic shifts and the Fed pausing interest rate cuts, understanding how to safeguard your retirement funds is crucial. Jon Hicks discusses current market trends and strategies for maintaining your wealth in uncertain times. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Navigating the complexities of estate planning and taxes is crucial for future financial stability. Jon Hicks discusses the intricacies of managing highly appreciated assets and real estate, emphasizing the importance of strategic planning to mitigate tax burdens. He highlights various trust structures that can help avoid significant taxation on assets, allowing for a more flexible and efficient wealth transfer. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

With the end of 2024 showing unexpected turbulence, Jon Hicks discusses the rollercoaster of market trends, touching on everything from record bull runs to potential impacts of geopolitical events like the Ukraine-Russia conflict and China's economic maneuvers. As investors grapple with decisions of risk versus safety, Jon highlights the importance of assessing your financial goals and timelines. He emphasizes safe asset classes offering substantial returns and discusses innovative investment tools like insured accounts and ETFs. Jon also warns of potential market downturns and advocates for strategic portfolio adjustments to safeguard against volatility. Whether it's locking in high interest rates or exploring new financial instruments, understanding the market's dynamics is crucial for achieving your financial objectives. Schedule an appointment today: RetirementSolutionShow.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Retirement can be a challenging financial journey, especially with market volatility and changing administrations as Trump is set to begin his second term. In this episode, Jon Hicks discusses that many investors struggle with timing the market, often missing out on significant gains. Instead of focusing on short-term fluctuations, Jon emphasizes why it’s crucial to develop a long-term strategy that includes understanding protection and income streams. Jon explains why diversification and a balanced approach to both safety and growth are essential for those nearing retirement. Visit RetirementSolutionShow.com to begin building your unique retirement plan today!See omnystudio.com/listener for privacy information.

How do you prepare for retirement amidst global uncertainties and volatile markets? Jon Hicks addresses the importance of comprehensive retirement planning and explores the current high-risk environment. He also covers the impact of global events, such as geopolitical tensions and the rise of cryptocurrencies, on retirement planning. Visit RetirementSolutionShow.com to begin building your unique retirement plan today!See omnystudio.com/listener for privacy information.

The 4% Rule is outdated and doesn’t apply to most people in today’s retirement. Jon Hicks tackles the problem of income protection and why retirement plans need to be tailored to unique circumstances. He highlights different strategies to consider that focus on maximizing savings to achieve retirement goals that are sustainable over 20-30 years. Visit RetirementSolutionShow.com to begin building your retirement plan today!See omnystudio.com/listener for privacy information.

Jon Hicks discusses how retirees can create a meaningful legacy through charitable giving & volunteering and highlights the late Bernie Marcus's (co-founder of Home Depot) intention to donate 90% of his wealth with the stipulation that it must be spent within 20 years. Jon emphasizes that contributing time and skills can be as impactful as monetary donations. He urges retirees to consider how they can utilize their resources to benefit their communities and create lasting positive changes. Visit RetirementSolutionShow.com to explore what your legacy plan could look like!See omnystudio.com/listener for privacy information.

Are you unknowingly giving away half of your retirement savings? Many hardworking individuals face higher taxes in retirement than during their working years, diminishing their carefully saved funds. This episode delves into the reality that despite earning a tax break when investing in 401ks or IRAs, retirees often encounter higher tax brackets, resulting in significant losses. Jon explains the concept of asset location and tax shifting, offering strategies to optimize your savings and reduce future tax liabilities. Whether it’s repositioning assets annually or utilizing trusts to ensure your children don’t lose half their inheritance to taxes, there are practical solutions to safeguard your wealth. Visit RetirementSolutionShow.com to get a look at your tax plan today!See omnystudio.com/listener for privacy information.

The 401(k) remains one of the biggest retirement savings vehicles for Americans today. But what changes are coming to your 401(k) due to the Secure 2.0 Act that Congress passed back in 2022? In this episode, Jon addresses these changes and things we can take advantage of after the new year. He also highlights what people should prioritize including catch-up contributions for those over 50 years old. Visit RetirementSolutionShow.com to start building your retirement plan today!See omnystudio.com/listener for privacy information.