Clear Skies Retirement
Welcome to "Clear Skies Retirement," the podcast dedicated to guiding you through the unpredictable journey of retirement planning. Whether you're approaching retirement or already adjusting to its reality, "Clear Skies Retirement" helps you manage your finances to ensure a stable, secure, and fulfilling future. From investment strategies and savings tips to tax planning and estate management, we cover all aspects of financial stability in your golden years. Join us every week as we tackle the toughest challenges facing retirees and answer your burning questions about retirement. No matter the turbulence in the markets or changes in regulations, with "Clear Skies Retirement," you’re never flying solo. Get ready to turn your retirement goals into your everyday reality. Subscribe now to step confidently into a future of clear skies! If our podcast has you thinking you might need a second opinion on your retirement plan, reach out to us here 👉 Schedule an Appointment
Episodes
On this episode:
- Vanguard is offering a Target Date Fund with an annuity option. What could go wrong?
- Turns out, retirees want more stability than the stock market provides.
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Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.reti...
On this episode:
- 75% of investors are pairing back their risk in the stock market. Are you?
- Paying off your house in retirement might make you feel good but is it the best financial move?
- A retirement lesson from AI and Hertz.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their ...
On this episode:
- Are you pushing money into this market or pulling back?
- People with annuities spend more money in retirement.
- Will you use YOUR plan or Uncle Sam’s Plan for your 401(k)?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-St...
On this episode:
- Will the "Warren Buffett" indicator be right in 2026?
- Does Uncle Sam have a headlock on your IRA?
- Why is the price of Gold going up so much in an up-market?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-Step Process, go to www.reti...
On this episode:
- Kiplinger’s list of things you need to get right before you retire.
- Why are people jumping into dividend paying stocks in record numbers?
- People feel better about retirement than they did a few years ago. What has changed?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Managemen...
On this episode:
- You spend hours on your portfolio. What are you missing?
- The rising cost of retirement.
- The financial headlines tell us we need over a million to retire. What’s the real truth?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me to Retirement" 5-St...
On this episode:
-
Starting in 2026, there are new rules if you are using the 401(k) "catch up" provision.
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Making you a "smart rabbit" when it comes to your money in the stock market.
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50% of people have no idea the steps to take to plan for retirement.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
This episode takes a hard look at popular retirement rules—from the 4% withdrawal strategy to the myth that you need a million dollars to retire. Jay Kirkwood breaks down why these one-size-fits-all formulas often fall short and how real planning requires a deeper understanding of your lifestyle, risks, and goals.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
On this episode of Clear Skies Retirement:
- Talking about taxes for this year, next year, and all the years to come.
- Warren Buffett and Tony Robbins have a retirement warning for you.
- Nate Bargatze, New Math, and your Retirement.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, includin...
On this episode:
- You may have saved a nice number in your retirement accounts, but there might be something missing.
- President Trump is paving the way for new offerings in your 401(k). Should you consider them?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retir...
What does Warren Buffett’s $315 billion cash stash mean for your retirement strategy? In this episode, Jay Kirkwood explores the psychology of cash, the risks of over-concentration in portfolios, and why old financial rules like the 4% withdrawal rate may no longer apply. He discusses Roth conversions, RMDs, and how emotional comfort plays a role in financial planning.
Subscribe or follow so you never miss an episode!
On this episode:
- How much do you need in retirement? Compare against the new average monthly spend numbers.
- Finding a place for all your financial “stuff.”
- President Trump is making the way for Private Equity offerings in 401(k)s. What is Private Equity and do you want it?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
Click Here to schedule an ...
If you believe these 7 things about retirement, you may be in trouble.
Plus: Dealing with the volatility of the stock market and the downside of dividend paying stocks.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
Click Here to schedule an appointment with Jay and the team at Secure Financial Management.
To learn more about Secure Financial Management, includin...
On this episode:
- There is more to worry about in retirement than the stock market.
- You tried to time the market, and failed, now what?
- Financial products and concepts are constantly changing. What has remained solid for over 30 years?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, includin...
On this episode:
- No matter the size of your account, we all worry about money.
- Death and Taxes: Is there something you can do about the second one?
- Like the Jaws movie, when do we need a bigger boat in retirement planning?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get...
On this episode:
-
How the BBB changes taxes, social security, and filing.
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Many advisors say that people are focused on the wrong number.
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Common reasons people finally seek out a financial advisor.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirem...
On this episode:
- Will this stock market get knocked out or come up off the mat?
- How much money do we need that is easily assessable and out of the stock market?
- The cost of living in your state may determine if you run out of money. Where does your state rank?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
On this episode:
- For the first time in memory, the number you need for retirement has dropped! Why?
- Should you wait until 73 to access your IRA? Maybe not.
- The Newark Airport is plagued with poor communication, outdated equipment, and no future plan. Is your advisor the same way?
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
On this episode:
- Actual math and "Wall Street" math are two different things.
- What in your retirement plan is outdated or unnecessary?
- The fear of running out of money is causing people not to spend and enjoy they retirement.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "...
On this episode:
- Politics are bouncing the market. How do you adjust?
- A steady retirement paycheck seems to be the secret of spending confidently.
- A “don’t let this happen to you” tax story.
Subscribe or follow so you never miss an episode!
Check out our YouTube page for more retirement tips from Jay!
To learn more about Jay and the team at Secure Financial Management, including their "Get Me To Retirem...
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