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Navigating retirement can be complex—but you don’t have to do it alone. Join us each week on Financially Speaking, where we explore the critical issues that matter most in retirement. From planning strategies to managing evolving financial needs, our team offers valuable insights and practical guidance to help you make informed decisions with confidence. Whether you're approaching retirement or already there, Financially Speaking is your trusted companion on the journey to long-term financial security. Don’t face retirement planning on your own—tune in and take the next step with clarity and peace of mind.

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The Election is Over. What Should Investors Do Next?

2026/11/08

We discuss why elections create investor anxiety, how potential policy changes can affect retirement planning, and why staying focused on your long-term financial goals matters regardless of who's in office.

What Retirees Wish They Knew at 30

2026/10/18

What do retirees wish they had known about money when they were 30? We explore the importance of starting retirement savings early, staying consistent with investments, and avoiding lifestyle inflation as income grows. We also discuss how maintaining good health, balancing current spending with future goals, and building strong financial habits can help create a more fulfilling retirement.

The Biggest Unexpected Expenses in Retirement

2026/10/11

In this episode, we explore the biggest unexpected expenses that can catch retirees off guard, from major home repairs and vehicle upgrades to rising healthcare costs. We discuss why these financial surprises are so easy to overlook once you've stopped working and how they differ from the predictable costs of everyday life. Finally, we share practical strategies to help you build more flexibility and financial buffering into your retirement plan.

Beneficiaries and Inheritance Implications

2026/10/04

Today, we're talking about something that can have a major impact on your family long after you're gone: beneficiary designations and inheritance. We go into mistakes to avoid and strategies to help you and your loved ones keep more of your wealth.

Pay Off Debt or Invest?

2026/09/27

When deciding whether to pay off debt or invest extra funds, we must weigh the mathematical return against our personal psychological comfort. While investing offers potential long-term compound growth, paying off a loan provides a guaranteed rate of return with zero market risk. Ultimately, the best strategy depends on our individual risk tolerance, tax situation, and which choice allows us to sleep best at night.

Your Retirement Plan vs. Real Life: What Happens When Things Don't Go According to Plan?

2026/09/20

While we all picture retirement as a smooth, predictable path, real life often brings curveballs like market downturns, early retirements, changing spending needs, or family emergencies. In this episode, we explore why a solid retirement plan must serve as a flexible, living document that adapts to life’s unexpected twists. Tune in to learn how we build versatile strategies designed to handle market volatility, preserve your financial independence, and keep your long-term goals on track.

The Widow's Penalty: What Happens to Your Finances When a Spouse Dies?

2026/09/13

The loss of a spouse can create a major shift in a household's financial dynamic, as reduced income streams may no longer match ongoing living expenses. In this episode, we explore what the "widow's penalty" means for surviving partners and why expenses don't simply drop by half after a loss. We also break down key considerations surrounding social security, pension options, tax bracket changes, and healthcare costs to help couples prepare and protect one another for the future.

Think You're Behind on Retirement Savings? Here's what to do!

2026/09/06

Feeling behind on retirement savings does not mean we are out of options or need to panic over standard benchmark numbers. In this episode, we walk through practical strategies to help make up ground, including assessing our actual financial standing and maximizing employer-sponsored retirement plans. We also discuss how minor changes to our savings rates, catch-up contributions, and adjusting our timeline can significantly strengthen our retirement outlook.

Should You Pay Off Your Mortgage Before Retirement?

2026/08/30

Eliminating your mortgage before retirement offers undeniable peace of mind, but is paying off your home early always the smartest financial move? In this episode, we unpack how current interest rates, remaining loan balances, and lost investment potential impact your overall strategy. Plus, we highlight the severe tax pitfalls of pulling funds from retirement accounts to clear debt so you can choose the best path forward.

Your September Financial Checkup: 6 Things to Review Before Year-End

2026/08/23

In this episode, we highlight why September is the ideal time to conduct a comprehensive checkup on your finances. We walk through six key areas to re-evaluate before year-end, including tax withholdings, tax-loss harvesting, and employer benefit selections like HSAs and FSAs. Our discussion offers practical strategies to help listeners avoid unexpected financial surprises and optimize their position heading into the new year.

The Hidden Costs of RMDs: WhatEvery Retiree Needs to Know

2026/08/16

In this episode, we break down the critical rules and tax implications surrounding Required Minimum Distributions (RMDs) that every retiree needs to understand as they reach age 73. We explore how mandatory withdrawals can unexpectedly raise your income tax bracket, increase Medicare premiums, and affect the taxation of your Social Security benefits. Finally, we share practical strategies to make RMDs work to your advantage, including reinvesting options and tax-saving Qualified Charitable Distributions.

Retirement Planning Myths That Could Cost You

2026/08/09

In this episode, we debunk some of the most common retirement planning myths that could silently jeopardize your financial future. From miscalculating healthcare costs to relying too heavily on traditional rules of thumb, we break down what you actually need to know to build a resilient nest egg. Tune in to learn actionable strategies that will help protect your hard-earned savings and ensure a confident, comfortable retirement.

What Makes a Happy Retirement? (It’s Not Just Money)

2026/08/02

Retirement is about far more than building a nest egg, It’s about creating a fulfilling life after your career ends. In this episode, the discussion explores five essential ingredients for a happy retirement, including maintaining your health, finding purpose, staying socially connected, achieving financial confidence, and continuing to learn and grow. Discover practical insights on how thoughtful planning can help you enjoy retirement with greater confidence, fulfillment, and peace of mind.

Mid-Year Financial Check-In: Is YourRetirement Plan Still on Track?

2026/07/26

In this episode we look at the financial year so far and financial steps you need to be taking now. Don't wait until it's too late. How to avoid costly mistakes.

Christmas in July – Giving Back: The Financial & Personal Benefits of Charitable Giving

2026/07/19

Today we welcome back our very special guest, Santa Greg! We'll be talking about why charitable giving is an important part of many people's financial lives, especially during retirement, We'll also share details about how you can participate in our Christmas in July Toy Drive,