Advised | with Rick Luchini

Retirement isn’t just about leaving your job behind,  it’s about discovering what you’re retiring to. Too many people treat retirement like a permanent vacation, but without purpose, structure, and identity, those years can quickly turn into burnout, anxiety, or boredom.

In this episode, we dive into how to prepare for life after the paycheck, why finding meaning matters more than money, and practical ways retirees can build a purp...

Discover how your home environment influences your health, mindset, and even your retirement transition.

Download the Free Guide to Your Personal Energy: https://courses.elementalclarity.com/feng-shui

In this episode of The Advised Podcast, I step outside the financial world to talk with Jeannette Ciezykowski, a personal life specialist and feng shui expert. We explore how your surroundings influence success, health, and fulfillmen...

Are you afraid to spend money in retirement — even though you’ve saved diligently for decades? You’re not alone. Many retirees face a surprising challenge: shifting from saver to spender.

In this episode of The Advised Podcast, Rick Luchini unpacks the psychology behind why it feels so hard to enjoy your money after years of disciplined saving. We talk about:

• Why the “middle-class millionaire” often struggles the most with sp...

When it comes to saving for your kids’ future, the options can feel overwhelming—529 plans, UTMA accounts, taxable brokerage accounts, or just keeping the money in your own name. Which is best? And how do new tax law changes (like the SECURE Act 2.0 and the “Big Beautiful Bill”) change the conversation?

In this episode, we break down:

• The pros and cons of 529 college savings plans (and how new rules make them more flexible th...

When it comes to taxes in retirement, most people only think about last year’s return. But focusing only on history can cost you tens of thousands of dollars over your lifetime. In this episode, we break down the critical difference between a tax accountant (historian) and a tax planner, and why you may need both.

You’ll learn why accountants often focus on minimizing taxes this year, while planners look decades ahead, helping you ...

I sat down with somatic health coach Mitch Webb to unpack one of the most overlooked pillars of retirement: your health.

We often spend decades building careers, growing wealth, and planning tax strategies — but if our bodies break down, what’s the point? Mitch explains how a dysregulated nervous system, poor nutrition, and chronic stress can quietly rob us of the very freedom we’re working toward.

We cover:

• How high-achiever...

Are your taxes really going to be lower in retirement? Many financial advisors and rules of thumb assume so, but for high-earning savers and retirees with large IRAs or 401(k)s, the reality is often very different. In this episode, Rick Luchini breaks down the myth of lower retirement taxes and explores why many retirees actually face similar or even higher tax bills in retirement.

We’ll cover the impact of Roth IRAs vs. traditiona...

Are you approaching retirement and worried about taxes? In this episode of Advised, we dive into the reality of Roth conversions, IRAs, RMDs, and retirement tax planning—and why so many people experience sticker shock when they first see the tax bill.

Too often, retirees hesitate on powerful strategies like Roth IRA conversions because they’re focused only on the short-term cost instead of the long-term lifetime tax savings. Rick b...

In this episode, we break down the “Big Beautiful Bill” — a major piece of tax legislation that could significantly impact your retirement planning, paycheck, and overall financial strategy. Whether you're retired, working overtime, collecting Social Security, or just trying to make smart tax moves, this bill matters.

•  No change to tax brackets? That’s actually a win.
•  New senior deduction? More wiggle room for Roth conversion...

In this episode, we dive deep into Roth IRAs, Roth conversions, and the most common mistakes people make when trying to take advantage of these powerful retirement planning tools. Whether you're thinking about a backdoor Roth IRA, navigating the pro-rata rule, or wondering when it’s smart to convert your traditional IRA to a Roth, this episode is packed with practical, strategic advice.

We break down when Roth conversions make sens...

Most retirees never plan for the financial impact of losing a spouse — here's what you need to know before it happens.

In this episode, we discuss a crucial but often overlooked part of retirement planning: preparing for the loss of a spouse. If you're planning for retirement, understanding what happens financially when a spouse passes away is essential. We cover the impact on Social Security benefits, pension decisions, retirement...

In this eye-opening episode, we dive into one of the biggest misconceptions in personal finance and retirement planning: retirement spending isn't flat. Learn how the "Retirement Smile"—also known as the Go-Go, Slow-Go, and No-Go Years—affects how much you should spend and when. Discover how dynamic retirement income planning helps you avoid underspending during your healthiest years, and why maximizing experiences can be more valu...

Retirement isn’t just about your savings and investments—it’s about designing a fulfilling lifestyle! In this episode, we’re diving into five crucial non-financial things you need to plan for before you retire. If you're in your 50s or 60s and thinking about retirement, this is a must-Listen.

🔹 What You’ll Learn in This Episode: ✅ The importance of finding purpose beyond your career ✅ Why having a daily routine matters more than y...

Are you panicking over recent market downturns?  In this episode, I dive into a critical client meeting that revealed two major lessons: perspective and empathy. Whether you're navigating personal finance, investing for retirement, or simply trying to understand the market's ups and downs, this episode will provide actionable insights to help you stay calm, focused, and financially secure.

🔹 Topics Covered: ✅ How emotions impact i...

In this episode, we uncover one of the best-kept secrets in retirement planning—the taxable brokerage account. While many focus on 401(k)s, Roth IRAs, and traditional IRAs, a taxable brokerage account provides unmatched flexibility, no contribution limits, and unique tax advantages.

💰 Key Topics Covered: ✔️ What is a taxable brokerage account and who can open one? ✔️ Why high earners & business owners should consider investi...

In this episode, we welcome legendary retirement researcher Bill Bengen, the creator of the original 4% rule, to discuss his latest findings and how retirement withdrawal strategies have evolved. If you’re planning for financial independence, early retirement, or traditional retirement, this episode is essential!

🔹 What is the new 4% rule, and how has it changed? 🔹 How to determine a safe withdrawal rate in today’s market 🔹 The ...

Are you unknowingly setting yourself up for massive tax bills in retirement? In this episode of #advisedpodcast, we break down essential retirement tax planning strategies to help you minimize taxes, maximize savings, and protect your wealth.

✅ When should you start planning for retirement taxes? ✅ How much tax do you really want to defer? ✅ Are you prepared for multi-generational tax exposure? ✅ What are the best strategies for ta...

In this episode, we dive deep into everything you need to know about RMDs, tax planning, and strategies to protect your retirement savings.

Discover how RMDs are calculated, why they can lead to a “tax bomb,” and how they affect Social Security, Medicare premiums, and overall retirement income. We cover actionable strategies like Roth IRA conversions, proactive tax planning, and Qualified Charitable Distributions (QCDs) to minimize...

Thinking about investing in real estate but unsure how to determine if a property is a good deal? In this episode, we break down how to evaluate rental properties, calculate cash flow and ROI, and compare real estate to other investments like stocks and bonds. Whether you're a new investor or a seasoned landlord, understanding real estate valuation is crucial for maximizing profits and building long-term wealth.

Join Rick Luchini a...