Secure Your Retirement

• 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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• The Fed Just Cut Rates - What It Means for Your Retirement

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the recent Fed rate cuts and what they mean for your retirement. After years of historically high Federal Reserve interest rates, the first rate cut of 2025 signals an important turning point for retirees and those planning retirement. With retirement interest rates shifting, CDs, bonds, and even savings accounts are no longer producing the same returns as just a year ago. This episode breaks down how the Fed interest rate changes impact your retirement investment strategy, from cash and CDs to fixed index annuities, bonds, and equities.Listen in to learn about how to navigate this new environment. Radon and Murs share insights on how to rethink your retirement income planning, balance safety and growth, and use smart retirement planning strategies to secure your retirement. They also explain why now may be a critical moment to evaluate your options and protect your retirement nest egg so you can focus on retiring comfortably with peace of mind.In this episode, find out:· Why the latest Fed rate cut immediately affects cash accounts and CD rates.· How bonds and interest rates respond differently for new buyers versus existing holders.· Why blindly chasing higher returns in equities can add more risk to your portfolio.· The role of fixed index annuities as a bond alternative in your retirement financial planning.· Practical retirement planning strategies to balance growth, safety, and predictable income.Tweetable Quotes:· “When the Fed cuts rates, cash becomes less effective—so you need to think carefully about where your money works best in retirement.” – Radon Stancil· “Retirement planning today is less about chasing the highest return and more about finding the right return that provides predictability and peace of mind.” – 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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• Is It Possible to Leave Work Before 65?

  In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss what it really takes to retire before 65 and the key strategies you need to make early retirement not only possible but sustainable. Many people assume that leaving work before Medicare at 65 is too expensive or too risky, especially when it comes to health insurance before Medicare, tax planning, and long-term income strategies. But with the right process, tools, and guidance, you can build a retirement plan that helps you retire early and retire comfortably.Listen in to learn about the essential areas you must think through: ACA health plans, Medicare at 65, the 59 and a half rule, the 401k rule of 55, Roth conversions, Social Security timing, and more. Radon and Nick Hymanson, CFP®, break down the critical details around investment strategy, retirement withdrawal strategy, sequence of returns risk, and bucket strategy investing. This conversation highlights not just the numbers, but also the emotional side of retirement—building confidence and clarity to truly secure your retirement.In this episode, find out:· Why health insurance before Medicare is the #1 concern for early retirees, and how ACA health plans and subsidies fit into your strategy.· How to navigate tax rules like the 59 and a half rule, the 401k rule of 55, and smart Roth conversions.· The importance of a retirement withdrawal strategy that considers taxes, cash flow, and long-term goals.· How to protect yourself from sequence of returns risk with bucket strategy investing.· Why budgeting for retirement and addressing the emotional side of leaving work is just as important as the numbers.Tweetable Quotes:Radon Stancil: “Retirement planning is like turning knobs—when you adjust one, it impacts the others. The key is making sure they all move in the right direction.”Murs Tariq: “The confidence to retire doesn’t come from guessing—it comes from having a written plan that helps you make decisions with clarity.”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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• The One Big Beautiful Bill Act: What It Means for Your SALT Deductions

  In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the latest developments around the One Big Beautiful Bill Act and how it may impact your ability to claim a SALT deduction in 2025. From understanding the SALT cap to weighing the benefits of standard vs itemized deduction, they break down what these tax changes could mean for your retirement planning strategy. Taxes are complex, but this conversation aims to simplify what you need to know so you can plan for retirement with confidence.Listen in to learn about how state and local taxes, the property tax deduction, and the mortgage interest deduction might shift under new legislation. You’ll also hear strategies that combine charitable giving strategy, donor advised funds, HSA contributions, and 401k contributions to optimize your plan. Whether you’re exploring high income tax strategies or building your personal retirement checklist, this episode helps you position yourself to retire comfortably and secure your retirement.In this episode, find out:· What the One Big Beautiful Bill Act could mean for the SALT deduction 2025.· The differences between standard vs itemized deduction in today’s environment.· How the SALT cap impacts state and local taxes, and why it matters for retirees.· Ways to leverage a charitable giving strategy or donor advised fund for tax efficiency.· How retirement tax planning integrates with 401k contributions, HSA contributions, and other tools to help you plan for retirement.Tweetable Quotes:· “When it comes to taxes, the goal isn’t just to reduce today’s bill—it’s to create a strategy that works for your entire retirement.” – Radon Stancil· “Understanding the SALT cap and knowing when to use itemized deductions versus the standard deduction can make a huge difference in your long-term retirement planning.” – 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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