Advised | with Rick Luchini
The Advised podcast is hosted by Financial Planner and entrepreneur Rick Luchini. On this podcast you’ll find interviews and insights on a wide range of financial topics. Rick’s mission is to lift the veil on personal finance and help you make better decisions.
Episodes
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...
Thinking about investing in real estate for retirement but unsure if it’s the right move? In this episode, we dive into the pros and cons of real estate investing, how it compares to stocks, and how your investment strategy should change before and after retirement.
Join Rick Luciani and Austin Preece, a financial planner specializing in real estate investors and business owners, as they break down:
✅ How to build wealth with real...
In this episode we dive into the top questions and concerns pre-retirees have before taking the big leap into retirement. Whether you're approaching retirement or helping a loved one plan, this discussion is packed with actionable insights and strategies.
✅ Topics Covered:
- The #1 pre-retirement worry: Health insurance options before Medicare and how to lower premiums using tax subsidies.
In this episode of #advisedpodcast we dive deep into essential retirement planning tips to help pre-retirees avoid costly mistakes. Learn about the importance of **estate planning**, why every family needs a **will** or a **trust**, and how to fix common gaps like outdated documents and incorrect beneficiaries.
Key Take Aways: ✔️ Why 60-70% of families don't have an estate plan—and why YOU should. ✔️ The difference between a ...
Today Hamilton and I discuss the ways investing during your retirement should be different, and the many ways it may be similar to how your invested now. We go over the big mistakes we see people make in this area, and bust some of the old schools of thought around this topic that you might still be subscribing to.
Listen as Hamilton and I discuss real client scenarios that result in changes to their plans and how we handled them. Life WILL throw you curve balls. The only question is, do you know how to hit them.
The challenges of owning individual stocks, and how we invest for our clients. Whether you're a DIY investor, or a client of a traditional firm, this episode is a MUST listen.
Today's discussion covers the factors to consider before taking your social security. Listen to how we help clients choose the right age to claim social security benefits.
Subscribe on YouTube: https://www.youtube.com/channel/UCbXaSLydoMX7P_kDc5tYmyQ
Check out more from Hamilton: https://brandenburgfs.com/
Thinking of retiring before 65? Don't Miss This One! Today I shed light on Health Insurance in retirement with the help of insurance expert Jocelyn Wolf. We cover how to get affordable coverage before 65, and some pitfalls to avoid now, and after switching to Medicare. Although we mention our local state's exchange, most of these same techniques and concepts will apply to you anywhere in the US.
TIME STAMPS: 00:00 Intro 03:20 ...
Today is an important discussion around mindset for any stage of your financial journey. Listen as we discuss finding balance between saving and living, and defining success on your own terms. Enjoy!
My guest, Brandon Lovingier, ChFC®, MQFP® aka The Enlisted Money Guy™, has served over 18 years in the Army – including deployments to Iraq and Afghanistan. He established Enlisted Money to help enlisted service members avoid the same...
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