Secure Your Retirement

• How to Build an Income That Lasts in Retirement

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how to approach retirement income planning with confidence so you can retire comfortably and secure your retirement. With people living longer, dealing with market volatility, navigating retirement income and taxes, and planning around retirement and inflation, creating a strategy that works for decades is more essential than ever. They break down how to create retirement income that can last 30–40+ years while maintaining peace of mind in retirement.Listen in to learn about the simple yet powerful Retirement Bucket Strategy—cash, income safety, and growth—and how each piece works together to help you plan for retirement at 50, retirement planning at 55, or retirement planning at 60. You’ll also learn how different tax buckets (pre-tax, taxable, and tax-free) impact your retirement withdrawal strategy and long-term retirement planning strategies so you can build an income in retirement that keeps up with life, goals, and inflation.In this episode, find out:How to structure your money using the Retirement Bucket Strategy to create retirement income that lasts.Why market volatility, taxes, inflation, and longevity must be factored into every retirement income plan.The difference between pre-tax, taxable, and tax-free retirement buckets—and how each impacts your long-term plan for retirement.How fixed index annuities, cash reserves, and growth investments can work together within a retirement income planning framework.A real-life scenario showing how to build a retirement withdrawal strategy across multiple buckets for long-term stability.Tweetable Quotes:“When you structure your retirement income the right way, you remove anxiety and gain true peace of mind in retirement.” — Radon Stancil“Diversifying across investment buckets and tax buckets is what makes a retirement income plan strong, flexible, and built to last.” — 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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• 4 Tax Strategies to Lower Your 2025 Tax Bill

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss four powerful tax strategies you can start looking at now to lower your 2025 tax bill and create more long-term flexibility in retirement. They unpack the difference between simple tax filing and true tax planning, walking through how proactive tax projections, IRA tax planning, and coordinated strategies can help reduce taxes over your lifetime—not just this year. You’ll hear how their team uses a comprehensive tax checklist and planning process to help you secure your retirement and avoid costly surprises.Listen in to learn about practical ways to reduce taxes, from Qualified Charitable Distributions (QCDs) and Donor Advised Funds to Tax Loss Harvesting inside a Direct Indexing strategy, and long-term Roth conversion planning. Whether you’re focused on charitable giving strategies, concerned about Medicare IRMAA surcharges, or just looking for tax savings tips and ideas on how to save on taxes in retirement, this episode will help you think beyond April 15 and build a smarter, more intentional retirement tax plan.In this episode, find out:· The key difference between tax filing and true tax strategy—and why tax moves to lower your 2025 bill must be done before December 31.· How Qualified Charitable Distributions (QCDs) can lower your taxable income, satisfy Required Minimum Distributions (RMDs), and help you avoid Medicare IRMAA surcharges.· Ways a Donor Advised Fund can “bunch” charitable giving, turn what you were already going to give into a bigger deduction, and enhance your overall charitable giving strategies.· How a Direct Indexing strategy with ongoing Tax Loss Harvesting can create “tax alpha,” making your brokerage account more tax-efficient and reducing capital gains over time.· Why a multi-year Roth conversion plan—guided by tax projections—can dramatically lower lifetime retirement taxes for you and your heirs, and support a more confident retirement planning and retiring comfortably strategy.Tweetable Quotes:“Real tax planning is not about what happened last year—it’s about using tax projections and tax strategies today so you can decide how and when you want to pay taxes over your lifetime.” — Murs Tariq“When you combine tools like Qualified Charitable Distributions, Donor Advised Funds, tax loss harvesting, and Roth conversions, you’re not just checking a tax box—you’re building a coordinated tax plan that can help you save on taxes and truly secure your retirement.” — 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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• Alternative Investments Explained – Lowering Risk and Improving Portfolio Balance

  In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss how alternative investments can play a valuable role in portfolio management and retirement investing. They’re joined by Brooke Garcia, a Certified Financial Planner™, Chartered Financial Analyst®, and Chartered Alternative Investment Analyst®, who brings deep expertise in private markets investing, risk management for investors, and portfolio diversification strategies. They explore how adding non-correlated assets such as private equity or private credit investing can help improve portfolio balance and reduce portfolio risk—especially when the traditional 60/40 portfolio approach no longer provides the same stability. This insightful discussion dives into how alternative investments can create a more tax efficient portfolio and contribute to a smoother investment experience during volatile market cycles. Listen in to learn about how alternative investments explained by Brooke can reshape the way you think about diversification and retirement planning strategies. You’ll discover how these vehicles can provide access to opportunities outside of the public markets, deliver potential capital gains strategy benefits, and offer unique tools for investment risk management. If you’re exploring ways to plan for retirement, retiring comfortably, and secure your retirement, this episode is packed with insights that connect tax planning, index replication, and tax loss harvesting into a broader tax strategy that enhances long-term wealth management. In this episode, find out: What alternative investments are and how they differ from traditional stocks and bonds. Why private markets investing may provide higher returns and smoother volatility. How to use non-correlated assets to build a more diversified portfolio and improve portfolio balance. Key considerations about liquidity, manager due diligence, and position sizing in alternative investments. How a well-designed diversification strategy supports long-term retirement planning and tax efficiency. Tweetable Quotes: “When bonds and stocks fall together, that’s when investors start to realize the importance of alternative investments in balancing risk.” — Radon Stancil “Alternative investments aren’t perfect for everyone, but everyone should evaluate whether they can play a role in their plan for retirement.” — 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.

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• 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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