Retirement Your Way

Are you ready for retirement’s biggest surprises? Discover how your income today can impact your Medicare premiums years later, why “spendophobia” keeps retirees from enjoying their savings, and how the great wealth transfer is reshaping family legacies. Hosts Gary Gardner and Vicki Miller share real stories and expert strategies to help you plan, spend, and leave a lasting impact—your way.

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Are you ready to rethink retirement and discover the surprising math behind your financial future? This episode dives into how Social Security, pensions, and healthcare costs shape your retirement lifestyle. Hosts Gary Gardner and Vicki Miller break down the real numbers, share stories from the “sandwich generation,” and reveal why timing your benefits matters more than you think. Learn how simple strategies and early p...

Are you risking too much for retirement, or missing out on growth? This episode dives into the realities of market investing, the “Great Wealth Transfer,” and why women are poised to control more wealth than ever. Hosts Gary Garner and Vicki Miller break down how to balance risk, preserve savings, and plan for longevity—especially for couples. Discover why retirement isn’t one-size-fits-all and how trusted a...

Are you letting headlines dictate your retirement strategy? Discover why tuning out market noise and focusing on long-term goals is the key to retiring your way. Hosts Gary Garner and Vicki Miller break down milestone ages, required minimum distributions, and the impact of inflation—sharing real stories and practical tips for planning, saving, and spending wisely. Learn how to navigate changes, avoid common pitfalls, and crea...

What if your retirement plan could weather every storm—financial, health, and the unexpected? In this episode, Gary Garner shares candid insights with FM Talk 106.5 morning show host Dan Brennan & Dalton Orwig on preparing for retirement, from the realities of income planning and market volatility to the hidden costs of healthcare and longevity. Discover why retirement isn’t just about numbers but about making choic...

What if your retirement plan was upended overnight? In this episode, Gary Garner and Vicki Miller reveal how sudden changes—like job loss or market crashes—can reshape your financial future. Discover why starting early, diversifying investments, and reviewing your income are crucial for retiring your way. Learn practical strategies to handle surprises, maximize savings, and navigate taxes so you can face the future with...

Are you ready for the unpredictable twists of retirement spending? Discover why budgeting for your golden years is anything but straightforward, and learn how interest rate changes, market volatility, and unexpected expenses can reshape your financial future. Gary Garner and Vicki Miller share real stories and practical strategies to help you manage risk, grow your money, and build a resilient retirement plan—no matter what s...

What if your retirement plan could be derailed by one overlooked decision? This episode dives into the real risks and rewards of Roth conversions, private equity, and the shifting landscape of retirement portfolios. Gary Garner and Vicki Miller break down why personalized advice matters, how to manage risk when the paycheck stops, and why guaranteed income is essential for lasting financial security.

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Are you ready to challenge everything you thought you knew about retirement? This episode dives into the crucial Medicare changes, the real fear of running out of money, and why breaking the “rules” might be your smartest move. Hosts Gary Gardner and Vicki Miller share practical insights on choosing the right Medicare plan, overcoming financial anxiety, and tailoring your retirement to fit your life—not someone el...

Are you ready for the unexpected twists of retirement? Gary Garner and Vicki Miller explore how early planning, adapting to change, and understanding guaranteed income can shape your retirement journey. From family legacies to the impact of technology and AI, this episode dives into real stories and practical advice for defining your own “okay” in retirement. Discover why starting conversations now—no matter your ...

What if you could test drive your retirement before making it permanent? In this episode, Gary Garner and Vicki Miller explore how to “try on” retirement—budgeting, lifestyle choices, and unexpected expenses—before taking the leap. Learn why planning, flexibility, and a methodical approach are key to a comfortable future and hear practical advice for navigating the emotional and financial realities of retire...

What’s the real secret to building a retirement plan that stands strong—no matter how the market moves? Gary Garner and Vicki Miller break down the myths, risks, and strategies behind lasting financial security, from market volatility to spending habits and the “floor” that supports your lifestyle. Discover how personalized planning, smart budgeting, and understanding your income streams can help you retire ...

Is your retirement plan based on TikTok tips or real financial insight? On this episode of Retirement Your Way Podcast, Gary Garner & Vicki Miller tackle the rise of “fin-fluencers” and the dangers of one-size-fits-all advice. From Social Security timing to pension pitfalls and personal income strategies, they explore how to make retirement decisions that actually fit your life. Hear real client stories, unexpected ...

Think you understand retirement rules? Think again. On this episode, Gary Garner and Vicki Miller unpack the complexities of Required Minimum Distributions (RMDs), risk tolerance, and asset diversification. From misleading media headlines to the real-world impact of annuities and market corrections, they guide listeners through the noise to build a retirement plan that fits their life. Whether you're just starting or reevaluating a...

Is your retirement plan stuck in outdated rules and vanilla strategies? In this episode of Retirement Your Way Podcast, Gary Garner and Vicki Miller unpack how rising interest rates, modern annuities, and evolving financial tools can reshape your retirement outlook. From the myth of the 4% rule to the emotional math behind risk tolerance, they explore how personalization—not one-size-fits-all formulas—leads to smar...

What if your retirement paycheck could be bigger than you think? In this episode, Gary Garner and Vicki Miller unpack how pension-like income sources—like Social Security and annuities—shape spending habits in retirement. They explore the math behind when to claim benefits, the rising costs of healthcare, and the strategic power of Roth conversions. With real-life stories and practical advice, this episode helps listene...

Can you really retire at 62—and stay retired? In this episode, Gary Garner and Vicki Miller unpack the realities behind early retirement, from income streams and healthcare costs to hidden investment fees and longevity risks. They share candid stories, practical strategies, and the importance of reviewing your financial “junk drawer” before making the leap. Whether you're 50 or already retired, this conversation h...

Would you buy a movie ticket a year in advance? That’s the kind of foresight Gary Garner and Vicki Miller urge when planning for retirement. In this episode, they unpack The Big Beautiful Bill, explore the risks and rewards of private equity in 401(k)s, and break down the three phases of retirement: accumulation, consolidation, and decumulation. With real-life stories and practical advice, they emphasize why time is your grea...

What do road trips with kids and retirement planning have in common? More than you think. In this episode, Gary and Vicki unpack the unexpected detours of retirement—from surprise tax hits like RMDs and Social Security taxation to the real cost of early retirement and healthcare. With relatable stories and practical insights, they explore how to navigate the long road to financial independence with clarity and confidence. Whe...