Secure Your Retirement

• Market Update and Tax Efficient Portfolio Management

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how today’s market update ties directly into smarter portfolio management and building a Tax Efficient Portfolio for your non-IRA accounts. From headlines about new highs to rate cuts and tariffs, they translate noise into strategy—focusing on tax planning, tax strategy, and tax efficiency so you can secure your retirement with confidence.Listen in to learn about using Direct indexing with Tax loss harvesting to mirror an index while managing investment taxes, handling concentrated stock positions, and customizing holdings (think: Index replication without the positions you don’t want). You’ll also hear practical retirement planning strategies to stay diversified, manage risk, and plan for retirement so you’re retiring comfortably with a clear retirement checklist and a resilient approach to Retirement Investing and Investment risk management.In this episode, find out:· How recent Fed moves and headlines factor into a pragmatic market update and what that means for Retirement Planning and risk management.· The core–tactical–bonds/alternatives blend that creates a Diversified portfolio beyond just stocks to smooth volatility.· What Direct indexing is, how Index replication works with 50–75 stocks, and why Tax loss harvesting can add meaningful tax alpha.· Ways to unwind a concentrated position (e.g., long-held company stock) using harvested losses and a phased Capital gains strategy.· How to tailor portfolios (even in IRAs) to exclude specific stocks while still tracking an index—supporting your personalized planning retirement goals.Tweetable Quotes:· “We’re not stock-picking heroes—we’re replicating the index and using tax efficiency to your advantage.” — Radon Stancil· “With Direct indexing, you can make money and harvest losses at the same time—powerful for investment taxes in non-IRA accounts.” — Murs TariqResources: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.

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• 4th Quarter 2025 Economic Update

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the key themes shaping the 2025 economic outlook — from the Federal Reserve outlook and potential Fed rate cuts in 2025 to ongoing tariffs, inflation, and the evolving role of AI and the economy. Joined by returning guest Tom Siomades, they break down what retirees and investors need to know as we head toward the end of the year. This conversation goes beyond headlines, providing real perspective on what’s happening with the economy, stock market outlook, and how global events—like China trade tariffs and the race for rare earth metals—could influence your retirement investing in 2025.Listen in to learn aboutthe trends behind money market rates, the S&P 500 outlook, and how market volatility in 2025 could shape retirement planning strategies. You’ll also hear how shifts in AI, international trade, and interest rates may impact your ability to plan for retirement, stay on your retirement checklist, and continue retiring comfortably with confidence.In this episode, find out:· Why ongoing China trade tariffs and access to rare earth metals are creating ripple effects across global markets.· How the Federal Reserve outlook and potential Fed rate cuts in 2025 could affect money market rates and long-term investing strategies.· Why Inflation in 2025 still lingers above target and how it’s influencing both spending and retirement portfolios.· The growing connection between AI and the economy, and whether the market might be in an “AI bubble.”· What retirees can do now to balance safety and growth in a world of market volatility and changing stock market outlooks.Tweetable Quotes:“The most important thing you can do is have a plan—and have people you trust to help you stick with it, especially in turbulent times.” — Radon Stancil“If rates come down, that’s good for the economy, but it also means retirees need to rethink how they generate income.” — Murs TariqResources: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.

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• Understanding How Annuities Fit in Retirement

  In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the power of annuities as part of a holistic retirement income planning strategy. Joined by their guest, Sam Wimpy, an insurance and annuity specialist, they break down the evolving world of fixed indexed annuities and how these vehicles can provide principal protection, guaranteed lifetime income, and a meaningful role in risk management. This conversation challenges traditional ideas about annuities in retirement and highlights how they can act as a bond alternative while helping retirees plan for retirement and retire comfortably.Listen in to learn about the practical and emotional aspects of building a solid financial foundation. The hosts and Sam dive into how annuities have evolved beyond the stereotypes of decades past and now serve as reliable, tax-deferred annuity options that align with today’s retirement planning strategies. From creating predictable income streams to securing a financial legacy, this episode provides insights for anyone seeking to secure your retirement with confidence and clarity.In this episode, find out:· What makes a fixed indexed annuity different from traditional annuities and pensions.· How annuities serve as a bond alternative to help manage market volatility.· The role of income riders and guaranteed lifetime income in creating predictable cash flow.· How to use the Three Bucket Strategy for balanced retirement planning and risk management.· Why annuities in retirement can help you enjoy stability, flexibility, and peace of mind.Tweetable Quotes:“When you understand how an annuity fits into your overall plan, it stops being confusing—and starts being a tool for confidence and security.” — Radon Stancil“When we view annuities as a pension alternative or a bond alternative, we open the door to better retirement planning strategies that focus on safety, growth, and flexibility.” — Murs TariqResources: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.

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• The Benefits of Life Insurance - Tax Planning - Legacy - Long Term Care

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how modern life insurance can be more than a death benefit—it can be an all-in-one tool for retirement planning strategies, tax advantages of life insurance, and long-term care insurance. With guest expert Jim Bowman, they explain how well-structured cash value policies—especially Indexed Universal Life—can provide tax free retirement income, flexible access to cash, and an efficient way to leave a legacy to family or charity.Listen in to learn about the practical differences between term and cash value policies, how to design funding to avoid MEC rules, why many retirees use unneeded RMDs to create tax-efficient benefits, and how hybrid life insurance can accelerate a portion of the death benefit for qualifying long-term care needs. If you want a clear path to secure your retirement, plan for retirement, and keep a simple retirement checklist for retiring comfortably, this conversation is for you.In this episode, find out:· How to think about life insurance benefits beyond debt protection—legacy, liquidity, and LTC.· The mechanics of life insurance cash value and using policy loans for tax free retirement income.· Why life insurance and taxes can work in your favor when policies are designed to minimize insurance cost and maximize accumulation.· When to consider life insurance for retirement (including for business owners) and how to fund over 5–7 years to avoid MECs.· Using unwanted RMDs to fund life insurance for seniors or a hybrid life insurance policy with long term care insurance riders.Tweetable Quotes:· “Life insurance can be the Swiss Army knife of retirement—growth, tax efficiency, legacy, and long-term care in one plan.” — Radon Stancil· “Design the policy to minimize insurance cost and maximize cash value—then let it do the heavy lifting for tax-free income.” — Murs TariqThroughout the episode, we cover: Retirement Planning, retirement planning strategies, planning retirement with Indexed Universal Life, coordinating with a broader financial plan, and using a straightforward retirement checklist to align cash flow, taxes, and legacy goals—so you can secure your retirement.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.

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• One Big Beautiful Bill – Part 2

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the latest provisions of the One Big Beautiful Bill and how these updates directly affect retirees and pre-retirees. Joined by tax expert Taylor Wolverton, CFP® and EA, they dive into key areas of the 2025 tax changes that could significantly impact your retirement planning strategies. From estate tax exemption levels to the nuances of the QBI deduction, these insights help you better understand how to navigate Taxes in Retirement while maximizing opportunities for long-term tax savings.Listen in to learn about how provisions such as the new auto loan interest deduction, expanded charitable deduction, and the innovative Trump accounts for newborns can play a role in your personal retirement tax planning. With practical explanations and forward-looking strategies, this episode provides essential knowledge for anyone seeking to secure your retirement and prepare a thoughtful retirement checklist.In this episode, find out:· Why the current tax rates are considered “permanent” and what that really means for your tax strategy for retirees.· How the estate tax exemption impacts your legacy and protects families from unnecessary gift and estate taxes.· What the Qualified Business Income (QBI deduction) means for self-employed individuals and small business owners.· The new charitable deduction opportunities even for those who take the standard deduction.· How auto loan interest deduction and Trump accounts for newborns could change the way families plan for the future.Tweetable Quotes:· “There’s significant opportunity ahead of us to take advantage of today’s lower tax rates before changes come in the future.” – Radon Stancil· “Even small provisions in the One Big Beautiful Bill can create big opportunities for retirees who want to plan smartly.” – Murs TariqResources: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.

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