Advertise on podcast: Retirement Elevated Podcast with Sean Lee

Some financial decisions look complicated and turn out to be pretty simple. Others look simple and are anything but. Today, Sean’s taking a list of common money moves and sorting them into two piles: harder than it looks, or easier than it looks. Some of this really is easier than it looks, and some of it is a lot harder. The tricky part is knowing which is which before you find out the hard way. That's exactly the kind of thing worth talking through.   Here’s what we discuss in this episode: ⏰ Social Security: Find timing that fits 🧺 Diversification: Avoid owning duplicate investments 🔄 401(k) Rollovers: Handle transfers with purpose 👥 Beneficiaries: Keep designations up to date 🐷 Retirement Income: Build your own paycheck 🧾 Future Spending: Estimate real retirement expenses   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/ Contact us: (801) 639-0095 [email protected]

It's spooky season. And while most people are thinking about haunted houses and horror movies, a lot of pre-retirees have scarier things on their minds: running out of money, or a market crash at exactly the wrong time. Today, Sean’s shining a flashlight on five of the biggest financial frights and how to prepare for them. Most of what scares people about retirement isn't the event itself. It's not knowing what happens next. A plan won't make the unknowns disappear, but it can make them a lot less frightening. Happy Halloween. Here’s what we discuss in this episode: 💀 Running Out of Money: Longevity makes income planning critical 📉 Market Timing Matters: Early losses can create added pressure 🏥 Healthcare Adds Up: Costs can be easy to underestimate 🧠 Long-Term Care Is Real: One spouse’s care can affect both 💔 Plan for One Survivor: Losing a spouse changes income and taxes   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/ Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Talking about money can be hard, and sometimes it just takes the right question to get things moving. Sean walks through five conversation starters designed to uncover the worries, goals, passions, and priorities that often sit underneath the financial numbers. None of these questions are really about money, and that’s kind of the point. Sometimes the best way into a financial conversation is to start somewhere else entirely. Here’s what we discuss in this episode: 🎯 Daily Purpose: Think beyond the retirement commercial 🏺 Financial Genie: Identify the worries you’d erase ❤️ Personal Passions: What would you do without money concerns? 🔎 Past Decisions: Learn from financial choices you’d change 🪣 Bucket List: Identify what matters most 📅 Prioritize Early: Move physical adventures to the front 🧭 Plan Around Life: Let money support your priorities Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Most people have a retirement date in mind, but life doesn’t always cooperate. A job loss, health issue, or other unexpected change can suddenly move retirement up by several years. Sean explains why it’s important to know how your plan would hold up if that happened and how stress-testing different scenarios can help turn uncertainty into clearer decisions. Here’s what we discuss in this episode: 📅 Earlier Than Planned: Retirement may arrive before you expect 🧮 Run the Numbers: Test whether your plan works several years early 🌉 Bridge the Gap: Part-time income may help cover shortfalls 🏥 Healthcare Matters: Early retirement can create pre-Medicare expenses 🪜 Plan in Stages: Income needs can change as Social Security and Medicare begin 🔄 Stay Flexible: Adjust spending and income sources as circumstances change Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ More people in their 60s and 70s are staying on the job than ever before, and it's not always about the money. Sean digs into the real reasons retirees keep showing up to work. Working longer isn't automatically the wrong call. Sometimes it's exactly right. The real question is whether it's a choice or a fallback. That's worth figuring out before you assume the answer. Here’s what we discuss in this episode: 🤝 Social Connections: Work can provide relationships, routine, and community 🏠 Home Life: Retirement can significantly change the rhythm of a marriage and household 💵 Financial Stress: Uncertainty about money can keep people working longer than necessary 🔦 Plan for Clarity: Understanding the numbers can make retirement feel much less intimidating 🕒 Part-Time Work: Semi-retirement can provide income, structure, and social connection ✅ Work Optional: The goal is having the freedom to decide whether you continue working Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation, not to tear it apart, but to react honestly. Does Sean agree? 3.7 million people watched this video for a reason. It touches something real. Retirement isn't just about what you've accumulated. Sometimes it's about what you're willing to let go of. Here’s what we discuss in this episode: 🏡 Oversized Homes: When downsizing makes sense 👨‍👩‍👧 Adult Children: Balancing love and independence 🚤 Expensive Toys: When hobbies become burdens 🚗 Second Vehicles: Needs versus convenience 💼 Work Identity: Finding purpose beyond your career ✨ New Opportunities: What letting go creates Sell These 5 Things BEFORE You Retire https://www.youtube.com/watch?v=IltvyKpy8Z4 Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Summer's here. And somewhere between the excitement of planning a big trip and the anxiety of what it costs, a lot of retirees end up doing something that surprises us… they feel guilty about it. They worked hard, they saved, they planned for decades, and then they second-guess a beach vacation. Today, Sean talks about how travel fits into a real retirement plan and how to enjoy it without guilt. Here’s what we discuss in this episode: ✈️ Build Travel Into Retirement: Make vacations part of the plan 📊 Budget for Big Trips: Know exactly what you can afford 💰 Plan Around Retirement Stages: Spend more during go-go years 💵 Fund Travel with Cash Flow: Use dividends instead of selling assets ❤️ Eliminate Money Arguments: Agree on travel spending together   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ A lot of people think working with a financial advisor is just about picking investments. But a great planning experience is much more than that. Today, Sean walks through what it actually feels like to work with a firm—from the first conversation to ongoing guidance- so you know what to expect. Every firm can tell you what they do. We'd rather show you. If anything we talked about today sounds like the kind of relationship you've been looking for, let’s have a conversation. Here’s what we discuss in this episode: 🧭 Planning First: Why investments come second 🎯 Defining Goals: Understanding what matters most 💬 Better Questions: Looking beyond risk questionnaires 🔄 Life Changes: Keeping plans aligned over time 🤝 Ongoing Guidance: Decision-making beyond investments   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ There’s some big retirement news out of Washington worth understanding. President Trump recently signed an executive order aimed at expanding access to retirement savings for the tens of millions of Americans whose employers don't offer a plan. Today we're breaking down what was signed, what it means in practice, and what questions it raises for your own retirement picture. Here’s what we discuss in this episode: 💰 Why 50 million workers lack retirement plan access 🏛️ What the proposed “Trump IRA” actually is 📈 How the saver’s match could add $1,000 to retirement savings 🧩 Why retirement planning is shifting toward self-funding 🚀 How younger savers may benefit the most from these changes   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

Today, we're talking about what to do when things go right. A windfall, a surprise, an unexpected financial event. Because good fortune without a plan can unravel faster than you'd expect. Sean goes over five situations that look like pure luck from the outside… and what needs to happen next. The people who make the most of good fortune aren't necessarily the luckiest. They're the most prepared. Here’s what we discuss in this episode: 🎯 Pause First: Don’t rush decisions after a windfall 💰 Define Purpose: Every dollar needs a job ⚖️ Tax Impact: What you keep matters most 🏠 Equity Options: Home value creates flexibility 📈 Market Gains: Growth should support a plan   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

Most retirement conversations are about saving enough. Today, Sean’s talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build. A great financial plan’s purpose is to both protect you and give you permission to spend and enjoy your life. Here’s what we discuss in this episode: 💸 Spending Shift: Moving from saving to spending is difficult ⚠️ Fear of Running Out: Uncertainty creates hesitation 🧭 Income Clarity: Understanding how money flows builds confidence 🚧 Guilt Barrier: Emotional resistance can hold people back 📅 Plan to Spend: A clear process makes spending easier   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

Everyone’s got an opinion about money (especially the people with a book deal or a TV show). Some of that advice is useful. Some of it sounds better on a stage than it works in real life. Financial hot takes can be entertaining, motivating, and occasionally… unhinged. Today, Sean explains that the key is knowing which advice fits your life and circumstances and ignoring the irrelevant stuff. Here’s what we discuss in this episode: 🔥 Kiyosaki’s Call – Quit jobs, buy alternative assets 💰 Orman’s Cushion – 3-5 year cash reserves 📊 O’Leary’s Rule – Constant net worth tracking 📈 Ramsey’s 8% – Aggressive retirement withdrawals 🚀 Musk’s Vision – Future makes savings obsolete   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 [email protected]

📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ There’s no shortage of retirement advice, especially on social media, where bold claims and simple formulas get a lot of attention. But how much of it actually applies to your unique situation? Sean plays MythBusters and takes on ten common retirement beliefs that can quietly undermine a well-built plan. If you’ve been relying on generic advice, it may be time to step back and consider a more personalized, thoughtful approach to retirement planning. Here’s what we discuss in this episode: 📜 Wills vs. Trusts: Probate and control considerations 📊 Investment Shifts: Stocks, bonds, and rule-of-thumb thinking 🧩 Social Security Reality: Supplement, not solution 🧾 Tax Bracket Expectations: Retirement tax may surprise you 💼 Working Longer: Backup plans aren’t guarantees   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/ Contact us: (801) 639-0095 [email protected]

📞 Get your customized  planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ What’s changing in 2026 that retirees and pre-retirees should actually care about? This episode walks through the key updates quietly reshaping retirement planning- from Social Security’s cost-of-living adjustment and rising Medicare premiums to new senior tax deductions and expanded catch-up contribution rules. You’ll hear how these changes affect monthly cash flow, tax planning decisions, and saving opportunities in the final working years. Here’s what we discuss in this episode: 📈 Social Security COLA – What a 2.8% increase really means after Medicare 🏥 Medicare Premiums – Why higher costs reduce net raises 🧾 Senior Tax Deduction – New deductions and income phase-outs 📊 Catch-Up Contributions – Higher limits and the “super catch-up” window 🔁Roth Rules – New requirements for high earners 🗓️ Planning Timing – Why early-year decisions matter more than ever   Contact us: (801) 639-0095 [email protected]

📞 Get your customized  planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Finance is full of shiny objects, and not all of them are helpful. In this episode, Sean reveals the five most misleading tactics people encounter, from slick sales brochures to “guaranteed” returns that sound too good to be true. He explains why these ideas can create false confidence or unnecessary pressure, especially when decisions aren’t grounded in real planning. The takeaway is simple: clarity beats hype every time. Here’s what we discuss in this episode: 📊 Hypotheticals: projections that rarely reflect reality 🏆 Industry Awards: recognition is often tied to sales volume ⏰ Limited Offers: pressure tactics driven by fear 🎯 Risk Balance: reward only makes sense with context 📝 Written Plans: strategy beats marketing every time   Contact us: (801) 639-0095 [email protected]