Next Chapter Living

Tax season can feel overwhelming in retirement — especially when small oversights can carry lasting consequences. In this episode of Next Chapter Living, financial advisor Steven Sabo unpacks the key tax considerations retirees can’t afford to ignore. The conversation covers required minimum distributions, Social Security taxation, updated deductions for seniors, and how Roth conversions fit into a broader tax strategy....

Independence in retirement doesn’t just happen — it’s shaped by the decisions you make long before you ever need help. In this episode of Next Chapter Living, financial advisor Steven Sabo explores what independence truly means as we age. The conversation focuses on long‑term care planning, why so many families are caught off guard by healthcare costs, and how today’s retirement landscape offers more options...

Are your everyday money habits quietly standing between you and the retirement you imagine? In this episode, Steven Sabo breaks down the most common self‑inflicted roadblocks that can weaken a long‑term financial plan — from skipping a spending strategy to drawing from the wrong accounts at the wrong time. He shares real client examples, the importance of communication with your advisor, and why overlooked details like benefi...

Are you actually saving money – or just spending more without realizing it? This episode dives into the subtle trap of “spaving,” where chasing deals and convenience quietly chips away at long‑term financial stability. Steven Sabo explains how small, habitual purchases, tap‑to‑pay ease, and psychological spending triggers can snowball over years, especially in retirement when every dollar has a job. From budgeting...

Why do so many women manage daily finances but hesitate to take charge of long-term wealth? In this episode of Next Chapter Living, host Steven sounds the alarm on women and wealth, exploring the confidence gap, the realities of widowhood, and how to ask the right questions—even if you’re starting from scratch. They share practical steps for building financial clarity, navigating advisor relationships, and trusting your...

Is the American dream still within reach, or has it become a financial mirage? In this episode of Next Chapter Living, host Steven Sabo breaks down the headlines and hard truths behind today’s retirement realities. From the daunting “$5 million” price tag to the real-life budgets of everyday families, they explore why one-size-fits-all numbers don’t tell the whole story. Discover how personalized planning, h...

What if the biggest obstacle to retirement isn’t money, but fear? In this episode, financial advisor Steven Sabo unpacks “plutophobia”—the fear of money—and how it quietly shapes retirement decisions. From anxiety about spending savings to the emotional challenges of leaving a steady paycheck, discover why mindset matters as much as math. Learn how phased retirement, personal identity, and open convers...

Did you know there are over 500 ways to claim Social Security—and the choice you make could shape your retirement for decades? In this episode, financial advisor Steven Sabo breaks down the complexities of Social Security, from claiming strategies and income planning to the impact of working in retirement and spousal benefits. Discover why Social Security is no longer a one-size-fits-all solution and how personalized planning...

Would you get paid to taste-test dog food or build Lego sculptures in retirement? This episode explores the quirky world of retiree side hustles—and the surprising ways extra income can impact your taxes, Social Security, and Medicare premiums. Host and Investment Advisor Representative, Steven Sabo breaks down what every retiree should know before jumping into part-time work, from earnings limits to tax-efficient income stra...

Ever wondered how losing money on stocks might help you at tax time? In this episode, Registered Investment Advisor Representative Steven Sabo discusses tax loss harvesting—a strategy that can reduce your federal tax bill. Discover when to use it, how the wash sale rule works, and why ongoing financial conversations matter. Whether you’re a DIY investor or just curious about smarter tax moves, this episode offers practi...

Steven Sabo of Executive Financial Group discusses the dizzying game of “on again, off again” with the Trump tariff policy and how that makes relying on the stock market very difficult. So, Steven suggests people at least explore if a fixed index annuity is right for them and the potential preservation that those tools have. Steven explains how people can personalize an annuity and how it works like a pension does. And ...

Steven Sabo of Executive Financial Group talks about the MLB trade deadline (and his beleaguered Pittsburgh Pirates) and relates that to people checking in with their advisors mid-year. Steven discusses why Q2 and Q3 conversations are crucial for tax planning purposes, so people can start planning when to take RMDs, make QCDs, or even prepare for certain tax bills. And Steven walks through the process of what a first call for a com...

Steven Sabo talks about 3 Doors Down lead singer Brad Arnold's state four cancer diagnosis and hear him talk about his lack of fear. Steven discusses how rear can be crippling for people and their finances but how a well-balanced and thought out plan can help people curb that emotion.  Steven notes how he sees retirement portfolios again and again, so he can give an objective look at something that normally draws a big emotion...

Steven Sabo talks about the speed of time. He responds to audio from an interview with NASCAR driver Erik Jones, who recently made his 300th Cup Series start – he is still under 30 – and how Jones is aware the next 300 starts will come even more quickly. Steven shares how retirement planning can never start too early, but even people that begin at an older age are never to late to do some good. And Steven notes how lega...

Steven Sabo discusses Gen-Z’s stress over having to pick clothes to wear to work and compare that to the stress people have in making choices for their portfolio during this crazy stock market. Steven shares why making no decision is a bad decision, how an advisor can make the decision process easier, and what steps people can take to diversify amounts of risk and income. He also talks about the hockey legends he is going to ...

Steven Sabo discusses the underreported numbers for distracted driving and relate that to what retirees under-consider. Steven shares how people often underestimate the need for long-term care, both because it is overwhelming and abstract. He also explains how an advisor can help and why solutions are never “set it and forget it”. Steven also explains how taxes can unexpectedly bite people and the types of accounts that...

Steven Sabo talks about the “Florida Man Games” and the bad rep that “Florida Man” has – and then compare that to how annuities’ reputation has changed in the last few years. Steven explains how annuities are principal-protected, but how they are not always the best fit for someone. And Steven is very thorough in explaining the rightful reasons that they got a bad rep in the past and how some adv...

Steven Sabo talks about his distaste for having to change their clocks twice a year, but then discuss the benefits of getting ahead of the curve in finances. Steven shares how procrastinating with RMDs can be painful, why charting tax payment plans is a good idea, and why it’s best to not wait in planning financial strategies.

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Steven Sabo discusses how “sexy” does not always sell in financial planning. Steven explains the pitfalls of following financial fads and relates that to the erroneous assumption that a flabby NFL QB is not athletic. Steven details the importance of steadier and less volatile money plans, such as annuities, that can bolster one’s chances of their money outliving them.

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