Safe Haven $olutions

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig is joined by CPA Lance Larsen to clear up common misconceptions surrounding Social Security and taxation. They discuss how Social Security benefits are taxed, the impact of retirement income strategies on taxable income, and the importance of making informed decisions about when to claim benefits. The conversation also highlights how proactive plann...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig is joined by CPA Lance Larsen to break down the tax treatment of retirement savings accounts and the strategies that can help maximize long-term financial efficiency. They discuss the differences between traditional and Roth retirement accounts, how contribution strategies can evolve over time, and why proactive tax planning can provide greater cont...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig is joined by CPA Lance Larsen to discuss how thoughtful tax planning can help individuals take greater control of their financial future. They explore the history of income and estate taxes, break down today’s tax brackets, explain the tax treatment of traditional and Roth retirement accounts, and highlight strategies to help minimize taxes in retir...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Glenn Ramey break down the most common insurance mistakes people make in retirement. They discuss misjudging healthcare costs, missing Medicare deadlines, neglecting life insurance reviews, and overlooking beneficiary updates. The conversation also touches on confusion around annuities and the importance of regularly reviewing coverage, especially prescription ...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan break down how annuities work and the role they can play in retirement planning. They explain the four main types of annuities, how they are issued by insurance companies, and the key differences between fixed, fixed indexed, variable, and immediate options. The conversation also covers common misconceptions, fees, and the importance of understandi...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Glenn Ramey take a closer look at how life insurance fits into your overall retirement strategy. They discuss the different types of life insurance, how these policies have evolved over time, and why reviewing your coverage regularly is so important. The conversation also highlights the value of health savings accounts, common pitfalls to avoid, and the importa...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim Carrigan, and guest Glenn Ramey break down the critical role insurance plays in a well rounded retirement plan. They explore the realities of healthcare costs, how Medicare actually works and where it falls short, and why long term care planning is essential for protecting your financial future. The conversation also highlights common misconceptions, key cover...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan outline some of the most common mistakes people make when transitioning into retirement. They discuss risks like planning to work indefinitely, claiming Social Security too early, underestimating healthcare costs, and failing to properly rebalance your portfolio. Throughout the episode, they emphasize the value of having a clear, adaptable plan to ...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan break down the role Social Security plays in retirement planning. They explore its history, potential future changes, and key decisions around when to start taking benefits. The conversation highlights how timing can significantly impact your long-term income, especially for couples, and why relying solely on Social Security may not be enough. Thro...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan explore how to create a reliable income in retirement beyond Social Security. They discuss how certain annuities can help generate guaranteed lifetime income, similar to a pension, while emphasizing that not all annuities are the same. The conversation highlights the importance of understanding fees, contract terms, and choosing the right strategy ...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan discuss how to build a more stable retirement plan in today’s changing economic environment. They cover the importance of protecting your wealth as you near retirement, maintaining a balanced portfolio, and understanding how tools like annuities may fit into your strategy. The conversation emphasizes proactive planning and making informed decisions...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan shift the focus to family financial planning and the importance of protecting generational wealth. They discuss how “wealth” applies to families of all sizes, not just high-net-worth households, and why having a clear plan in place is essential for long-term success. The conversation highlights key areas such as estate planning, tax-efficient strat...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim Carrigan, and insurance specialist Glenn Ramey discuss how life insurance can play a unique role in college planning. They explore how indexed universal life (IUL) policies offer a flexible alternative to traditional savings vehicles, with features like cash value growth, no market loss exposure, and the ability to access funds through tax-free loans for educa...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan take a deeper dive into 529 college savings plans and how families can use them more effectively. They break down what qualifies as educational expenses, the benefits of starting early, and how compounding can significantly grow savings over time. The conversation also covers key rules, including contribution limits, beneficiary flexibility, and op...

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan explore the growing challenge of funding college without putting your retirement at risk. They discuss the rising cost of tuition, the importance of having a clear financial plan, and how strategies like 529 plans and other investment options can help families prepare. The conversation highlights the balance between supporting your children’s educa...

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen discuss how estate taxes can impact your retirement plan and your legacy. They cover federal and state estate tax thresholds, strategies for reducing tax exposure, and how trusts can help avoid probate and protect assets. The conversation also explains gifting rules and how families can pass on wealth more efficiently. The ep...

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen focus on how investment decisions can impact your taxes in retirement. They explain the difference between qualified and non qualified accounts, how capital gain distributions can create unexpected tax bills, and why timing and control over investments matter. The conversation also highlights portfolio rebalancing, Roth conve...

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen walk through how different retirement accounts are taxed and why strategy matters. They break down key differences between 401(k)s, traditional IRAs, and Roth accounts, including when taxes are paid and how required minimum distributions can impact your income in retirement. The conversation also covers rollover opportunities...

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen break down why tax planning starts after tax season ends. They cover key updates to itemized deductions, including changes to state and local tax caps and new rules for charitable contributions. The conversation also explores how Social Security benefits are taxed, strategies around capital gains, and how tax loss harvesting ...