Secure Your Retirement

In this Episode of the Secure Your Retirement Podcast, Radon Stancil and Murs Tariq discuss the powerful Mega Backdoor Roth strategy with Director of Financial Planning and Tax Strategy, Taylor Wolverton. They break down how high-income earners can potentially create tax free wealth using advanced Roth 401k strategy techniques, including 401k after tax contributions and in-plan conversions. This episode dives into how these lesser-known financial planning strategies can help individuals who are serious about retirement tax planning and building a strong retirement financial plan.
Listen in to learn about the differences between a Mega Backdoor Roth, a Backdoor Roth IRA, and traditional retirement savings strategies. Radon, Murs, and Taylor explain the role of 401k contribution limits, Roth IRA income limits, and how these strategies may help high-income earners implement a smart tax strategy designed to maximize tax free retirement income. If you’re focused on planning retirement, creating a retirement checklist, and learning how to retire comfortably, this episode offers valuable insights to help you secure your retirement.
In this episode, find out:
How the Mega Backdoor Roth works and why it can be a powerful high income tax strategy
The difference between after-tax 401k contributions, traditional 401k contributions, and Roth options
How Roth conversion strategies can potentially turn taxable growth into tax free retirement income
The key differences between a Backdoor Roth IRA and the Mega Backdoor Roth 401k strategy
Important considerations when including this strategy in your retirement financial plan and overall retirement planning strategy

Tweetable Quotes:
“The reason people call it a Mega Backdoor Roth is because you’re not contributing directly to the Roth 401k—you’re contributing after-tax dollars and converting them to build a larger tax-free portfolio.” – Radon Stancil
“If your income is above the Roth IRA income limits, you may still have options to get money into a Roth through strategies like the Backdoor Roth IRA or Mega Backdoor Roth.” – Murs Tariq
Resources:
If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the stock market outlook 2026 and what investors should be paying attention to as headlines around inflation, geopolitical tension, tariffs, and government uncertainty continue to drive market volatility. With markets coming off multiple strong years of performance, they break down what’s really happening beneath the surface — and how to think about market risks and market opportunities without letting emotions derail your long-term plan for Retirement.
Listen in to learn about how inflation and the stock market are connected, why proper diversification goes beyond simply owning multiple funds, and how a thoughtful retirement investing strategy — built around the three-bucket strategy — can help you stay confident no matter what 2026 brings. If you're focused on retirement income planning, protecting gains after a strong run-up, and building a Retirement financial plan that allows you to retire comfortably, this episode delivers timely perspective and practical guidance.
In this episode, find out:
Why the stock market outlook 2026 is shaped by inflation, global leadership changes, and concentrated tech exposure
How hidden concentration risk can undermine your diversification strategy — even if you own multiple funds or advisors
The importance of disciplined portfolio rebalancing after several strong market years
How the three-bucket strategy supports stability, growth, and income during periods of market volatility
Why integrating investments with taxation, withdrawals, estate planning, and income creates a stronger retirement financial planning framework.

Tweetable Quotes:
"Diversification isn’t about how many accounts you have — it’s about making sure your investments aren’t all exposed to the same risk." — Radon Stancil
"There’s always going to be something creating market volatility. The key is having a plan in place before it happens." — Murs Tariq

Resources:
If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the most common questions in Retirement Planning today: how much cash is too much cash? With Money market rates falling and Interest rates 2026 expected to continue shifting, many retirees are rethinking their cash reserves in retirement. What once felt safe and productive at 5% in a money market or CD now may be losing ground to inflation and creating unintended tax consequences.
Listen in to learn about how a proper Retirement financial plan helps determine the right balance between liquidity and long-term growth. Whether you're saving for retirement, saving for retirement at 50, or already focused on Retirement income planning, this episode will walk you through how the Three bucket strategy can help you protect your lifestyle, manage Taxes on interest income, avoid surprises with Medicare income and IRMAA income, and ultimately retire comfortably while maintaining flexibility and peace of mind.
In this episode, find out:
Why having too much in your Cash bucket could hurt your long-term Retirement investing strategy
How declining Money market rates and Interest rates 2026 impact your retirement savings
The hidden impact of Taxes on interest income and how excess cash can increase Medicare income and IRMAA income
How inflation erodes cash savings and affects Inflation savings over time
How the Three bucket strategy supports a balanced plan for retirement and helps secure your retirement

Tweetable Quotes:
“Cash feels safe, but too much cash in the wrong environment can quietly cost you millions over a 30-year retirement.” – Radon Stancil
“Your financial plan should drive how much cash you hold — not today’s money market rate.” – Murs Tariq
Resources:
If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the evolution of investing—from individual stocks to mutual funds to Exchange Traded Funds—and why technology is changing how portfolios are built today. If you've ever wondered about Stocks vs ETFs, Stocks vs mutual funds, or ETFs vs mutual funds, this episode breaks down the differences in a way that connects directly to your long-term Retirement Planning goals and overall Investment portfolio strategy.
Listen in to learn about how reducing internal costs, understanding expense ratios explained, and improving portfolio efficiency can make a significant impact on your long-term results. Whether you're focused on Stock market investing, building an Index investing strategy, or refining your Retirement investing strategy, this episode will help you better understand how the right structure can help you plan for retirement, follow a smart retirement checklist, and ultimately secure your retirement.
In this episode, find out:
The real differences in Stocks vs ETFs, Stocks vs mutual funds, and ETFs vs mutual funds
How technology now allows for efficient Stock indexing without high internal fund costs
Why lowering expense ratios and reducing hidden fees leads to Lower investment fees and better long-term outcomes
How Portfolio rebalancing and index tracking improve your overall Investment portfolio strategy
When to use individual stocks, Exchange traded funds, or mutual funds inside a complete Retirement financial plan

Tweetable Quotes:
“Technology has now allowed us to replicate an index using individual stocks and eliminate layers of internal fund costs.” — Radon Stancil
“Our investment philosophy hasn’t changed — but the tools we use to make portfolios more efficient absolutely have.” — Murs Tariq
Resources:
If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
To access the course, simply visit POMWealth.net/podcast.

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss why retirement stress, retirement anxiety, and fear around market volatility are rarely about the markets themselves—and almost always about unanswered questions. After years of uncertainty driven by inflation, interest rate changes, and economic shocks, many people approaching retirement realize that stress doesn’t come from short-term market swings, but from not having a clear retirement financial plan. Without a defined withdrawal strategy, retirement income planning, tax planning in retirement, and estate planning basics, even strong market years can still feel overwhelming.
Listen in to learn about how holistic financial planning creates true peace of mind in retirement. Radon and Murs break down how retirement risk management, income planning in retirement, Social Security planning, Medicare planning, long-term care planning, and tax planning strategies work together to reduce anxiety. By focusing on structure—rather than speculation—you can build retirement confidence, follow a clear retirement checklist, and move toward retiring comfortably with a plan designed to secure your retirement.
In this episode, find out:
Why retirement anxiety is driven more by unanswered questions than market volatility
How the Three Bucket Strategy supports income planning, withdrawal strategy, and retirement confidence
The five critical areas of retirement planning, including tax planning, Medicare planning, and estate planning
How holistic financial planning helps manage required minimum distributions and early retirement strategy
Why having a written retirement financial plan reduces stress and supports peace of mind in retirement

Tweetable Quotes:
“A bad market day won’t ruin your retirement, and a great market day won’t make it successful—it’s the plan that matters.” — Radon Stancil
“Retirement stress fades when every part of your retirement financial plan is being monitored, implemented, and nurtured.” — Murs Tariq

Resources:
If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
To access the course, simply visit POMWealth.net/podcast.