Guard Your Savings Podcast

Nearly 80% of women will become the sole financial decision-maker in their household—often decades sooner than expected. In this episode of Guard Your Savings, Dolph Janis shares eye-opening statistics and practical advice for women facing widowhood and financial independence. Discover why long-term planning matters, how to build trust with advisors, and strategies for creating guaranteed income and peace of mind. Dolph discu...

What if the biggest fear in retirement isn’t running out of money—but spending it? In this episode of Guard Your Savings, host and insurance professional Dolph Janis unpacks the emotional weight of “plutophobia”—the fear of money—and how it shows up when the paychecks stop. From go-go years to no-go seasons, they explore how mindset, planning, and confidence shape the retirement experience. With ...

What do Super Bowl tickets, a label maker, and a $6.5 million surprise have in common? They all reveal how gifting—done right or wrong—can shape a legacy. In this episode of Guard Your Savings, host and insurance professional Dolph Janis unpacks the emotional and financial layers of legacy planning. From overlooked beneficiary updates to the hidden costs of generosity, Dolph explores how thoughtful preparation can turn ...

Dolph Janis of Clear Income Strategies Group gets all over fees and how costly they can be. He compares ordering Doordash and the baked in fees to the extra fees some credit cards or asset accounts have. Dolph explains how important people knowing what they get for the fees is and how one of the first things he does with clients is stress test their accounts for the extra fees. Dolph also discusses the power of negotiating fees.

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Dolph Janis of Clear Income Strategies Group discusses the retirement income gap. Dolph talks about Tom Cruise’s comments on acting into his 100s if he could – because Cruise wants to - and how people should not have a retirement plan based on working past then they want to. So Dolph talks about calculating the income gap, what it means, how to prevent that gap, and three sources of guaranteed income in retirement.

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Dolph Janis of Clear Income Strategies Group digs into savings and uses a vacation discussion to get there. Dolph discusses three savings buckets – today, tomorrow, and never – and the importance of giving that saved money its jobs. Dolph then describes how this all fits into legacy planning and emergency funding. And Dolph shares how he can help people with this budget, by closely examining their retirement plans.

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Dolph Janis of Clear Income Strategies Group gives the low-down on Social Security and explains how the system can be very complicated and also is not intended to fully replace someone’s income. Dolph also explains the two biggest mistakes or assumptions people make about Social Security and how helps people calculate the best strategy. Dolph also talks about winning a golf tournament and how virtual golf games compare to the...

Dolph Janis discusses a survey that reveals that two-thirds of Americans fear going broke over death. Dolph gives a couple of reasons why he thinks people are afraid and talks about three types of money and the type that a lot of people do not account for. He also explains a 15-minute exercise that people should do with their budget each week and an illustration with income planning that helps people realize they may have more mone...

Dolph Janis talks about 29-year-old NASCAR driver Erik Jones and how quickly he reached 300 starts in the Cup Series. He compares that to how quickly retirement approaches for some people and notes how time never actually slows down or speeds up – it just seems like it does. Dolph talks about how there is never a wrong time to start preparing for retirement, but the earlier steps are taken, the better the result is likely to ...

Dolph Janis discusses the small steps people take in life. He shares a story about a woman who went from depositing $50 per month in an account to eventually maxing her contributions each year and how now she has a big nest egg. Dolph explains how he is first an educator and then an advisor and how he considers his clients part of the Clear Income Strategies Group family. And Dolph laughs about someone who called the office to ask ...

Dolph Janis speaks on annuities and shares how this income plan has gotten a bad reputation over time and why things have changed. He shares the types of annuities he recommends and compares them to the kinds he does not prefer. And he explains who pays annuities and how they can give income for the rest of one’s life. Dolph also talks about The Masters and the big goal the winner finally achieved in Augusta.

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Dolph Janis talks about being wary of people that act like they know it all or that they are always right. He talks about moments of reflection that he calls “roses and thorns” and how this keeps him and his family more grounded. Dolph warns about people that use “if” and “should” very often, especially regarding money. And Dolph talks about the types of accounts that he works with that help pres...

Dolph Janis talks about the ages that are big benchmarks in a retirement season of life. He shares about what people at age 59.5 can do with retirement accounts and what they can start drawing upon at age 62. Then he talks about Medicare at age 65 and the important things people must do around age 73. Dolph also discusses the right questions to ask and why having an advisor help someone navigate these benchmarks is important. The h...

Dolph Janis does a primer on Social Security. He answers five common questions on the subject, regarding working while taking it, how long one has to work before taking it, if Social Security will survive, does retirement account-income change the Social Security payment, and what age is best to start taking it. Dolph also talks about the white papers he writes on different financial subjects and how those can be very helpful.

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Dolph Janis talk about budgeting and spending during retirement. He lays out balancing one’s needs versus wants and the real conversations he has had with people that have wised them up to how much they were actually spending. Dolph shares how he helps people shape their goals around reality, including the one retirement question that many people ask wrong.

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Dolph Janis talks about the differences in an advisor guiding someone on the right choices, as opposed to someone just blindly listening to what they are told. He shares the importance of having an open mind, considering all possibilities, and shedding the baggage of other peoples’ bad decisions. Dolph also stresses the importance of proactive planning in retirement.

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Dolph Janis discusses the importance of someone having a diverse portfolio. He details what three different buckets someone should use for their money and the intricacies and misconceptions about annuities. Dolph also explains how he is an independent advisor, versus a captive one, and how he has access to 285 different income strategies with 40 different companies. Dolph also stresses how tax planning can save people thousands of ...

In this episode of The Guard Your Savings Podcast, Dolph Janis discusses the importance of personalized financial planning and the uniqueness of each individual's portfolio. He emphasizes that there is no one-size-fits-all approach to retirement planning and that understanding one's financial situation is crucial for success. Dolph shares insights from his experience with clients, highlighting the need for awareness of spending hab...

In this episode of The Guard Your Savings Podcast, Dolph Janis discusses the importance of planning for the New Year, especially in the context of financial success. He reflects on the holiday spirit and family traditions, emphasizing the need for a comprehensive checklist that encompasses both financial and life goals. Dolph shares insights on time management, accountability, and the significance of education in financial planning...