Retirement on the Horizon

8 Truths Wall Street Won't Tell You About Your Retirement 2-21-26

When it comes to retirement income planning, the traditional Wall Street Advice - which based on a growth approach - often falls short. There are 8 truths or principles that don't work in Wall Street's favor when you retire and need your hard-earned savings to live on. So, Wall Street is not excited to share them. 
We will. 
Herein, we tackle the 4% rule, growth vs income approaches, the "retirement red zone", sequence of return risk, and more. 

5 Core Retirement Income Principles 2-14-26

How can you create retirement income plans that are more resilient through good and tough times? In this episode, we share 5 core principles designed to help with just that. Also, a deep dive discussion on using a fixed income annuity as a potential bond replacement in the ubiquitous 60/40 stock/bond model portfolio. The results are startling and enlightening.
Finally, we cap off this episode with a practical discussion on how to prepare for the “silver tsunami” of long-term care starting to hit the retirement shores. 

(Asset) Location, Location, Location! 2-7-26

More important than your asset allocation is your asset location. There are only 3 columns (categories) of financial vehicles:
Taxable
Tax-deferred
Tax-free
Before deciding what your allocation should be, you must decide where you want your assets to live. There is a perfect balance for each saver. In this episode, we dive into the advantages and disadvantages of each column, the proper uses of the assets that make up in column, and how to strategically transfer taxable and tax-deferred assets to the tax-free column.

8 Keys to Roth Conversions 1-31-26

Roth conversions aren’t about avoiding taxes — they’re about deciding when, how, and at what rate you’ll pay them. Too many people focus on the micro view: “How much tax will this cost me this year?” A better question is, “How will this decision impact my entire retirement?”
Strategic conversions can create decades of tax-free income, reduce or eliminate required minimum distributions, lower Medicare premiums and Social Security taxation, and provide insulation from future tax increases. Yes, there can be short-term friction — higher taxable income or temporary IRMAA surcharges — but for many households, those are time-boxed issues in exchange for long-term control, certainty, and tax-free wealth.

5 High Level Updates for Social Security 1-24-26

In this episode of Retirement on the Horizon, we dive into 5 high-level social security updates for 2026 and how they impact your social security decisions.
Through a case study, we explore how to make your social security potentially tax-free as well as leaving nearly 3X more to heirs while not sacrificing current life style.

Modern Long-term Care Planning 1-17-26

By now, many have heard of the Silver Tsunami—the wave of baby boomers who currently or will shortly need some form of long-term care. This is a reality to the vast majority of retirees—now or in the future—will face. Unfortunately, most have not planned for it—either overlooking it or not being informed on the best choices for their situation. Make no mistake: long-term care planning is part of your retirement planning, whether you actively plan for it or not.
Modern advances in long-term care options have largely done away with the “use-it-or-lose-it” type of coverage that gives so many retirees understandable consternation. Further, the choice to “self-insure”—even for those that truly can afford it—is no longer good math with newer planning options. In this episode, we explore these modern approaches and give real-world case studies to demonstrate the advantages of modern long-term care planning.

Focus on the P.L.A.N. 1-10-26

When creating a retirement strategy, remember the acronym P.L.A.N.
Predictability - value predictability over potential
Low-correlation - strive include strategies and asset classes that do not require the market to perform in order for you to succeed
Alignment - ensure that each component of you strategy reinforces and compliments the others rather than (unknowingly) creating friction
Net-income - choosing tax-free/efficient strategies in place of tax-deferred/hostile strategies can be the difference between a retirement of plenty and one of scarcity
Also, follow along in our case study where we demonstrate P.L.A.N. in action and create 5 streams of tax-free income while increasing potential net-spendable income by 59%.