Straight Talk on Retirement with JBL Financial
Since 2005, ”Straight Talk on Retirement” has proudly broadcast on KTRS every Saturday from 9-11 AM, offering great tips and practical advice to help you build a personalized retirement game plan. Our retirement coaches provide straightforward guidance to help you navigate the complexities of retirement planning with confidence. Now, you can catch the show on-demand, on your favorite podcast app, so you never miss an episode.
Episodes
How much do you actually need to retire with confidence? The Retirement Coaches break down a simple, practical approach to retirement planning—focusing on your real monthly expenses, income sources, and long-term goals. Learn why generic formulas and long-term projections may fall short, and how understanding your own numbers can help you make more informed decisions about your financial future.
On this week’s Straight Talk on Retirement, The Retirement Coaches answer listener questions and discuss how current market conditions may influence your retirement planning decisions. They cover how to approach market volatility, what to consider when reviewing your portfolio, and what to keep in mind if you have concerns about your financial accounts or provider.
The team also highlights key topics from their latest newsletter,...
In this episode of Straight Talk on Retirement, Jeff takes listener questions while hosting the show solo and covers several practical retirement planning topics. The conversation includes how spousal Roth IRA contributions work when one partner is still employed, why timing investment changes inside retirement plans can be difficult, and what role a custodian plays in holding and reporting on retirement assets. Jeff also shares th...
The Retirement Coaches cover how to calculate retirement income needs, understand Required Minimum Distributions (RMDs), and explore charitable giving strategies from IRAs. The team also answers listener questions on Roth IRA limits, real estate ownership structures, and market volatility.
If you’re within five years of retirement — or already retired — this episode highlights practical steps to help you evaluate your income, navig...
In this episode, the Retirement Coaches walk through common questions about retirement planning, including required minimum distributions (RMDs), tax considerations, and year-end financial check-ins. Listeners share real-life scenarios, and Jeff, Erin, and Robert provide clear guidance on navigating decisions around Social Security timing, account withdrawals, and income planning. Practical tips and thoughtful discussion help make ...
On this Valentine’s Day edition of Straight Talk on Retirement, the team answers listener questions about Social Security survivor benefits and how delayed claiming affects a spouse. They also provide an in-depth explanation of donor-advised funds, including tax considerations, distribution flexibility, and charitable planning strategies. The episode highlights how thoughtful planning can address both income security and legacy goa...
In this episode, Jeff, Erin, and Robert walk through key themes from the February newsletter, including national income comparisons and why reviewing your spending habits can support long-term retirement planning. The discussion covers budgeting by age group, setting financial goals, debt reduction strategies, and evaluating recurring expenses. The team emphasizes thoughtful review rather than reactive financial decisions.
The Retirement Coaches review highlights from the January newsletter, including how artificial intelligence may reshape the workforce and what recent market volatility can teach long-terminvestors. The team revisits required minimum distribution fundamentals and discusses common tax-season scams to watch for. Listener questions add practical insight to retirement planning decisions.
In this episode, the team discusses recent examples of market volatility and the importance of aligning investment decisions with risk tolerance and long-term goals. They also answer detailed listener questions about required minimum distributions and review the IRS “Dirty Dozen” list of common tax scams. The conversation highlights how preparation and perspective can support confident retirement planning.
The Retirement Coaches explore how artificial intelligence is influencing the workplace and broader economy, while keeping the focus on disciplined, long-term investing principles. The show also revisits required minimum distributions and tax considerations, emphasizing the importance of thoughtful planning over reactive decision-making. Listener engagement drives the discussion throughout the hour.
This episode takes a closer look at market pullbacks and why long-term planning decisions shouldn’t be driven by short-term headlines. Jeff, Erin, and Robert also break down required minimum distributions, including how taxes are handled and what first-time RMD recipients should know. The team answers listener questions and discusses how to approach retirement decisions with a written game plan.
The first show of 2026 covers highlights from the January newsletter, including how artificial intelligence may reshape the workplace and what investors can learn from recent market volatility. The Retirement Coaches also revisit required minimum distribution basics and discuss common tax scams to watch for this filing season. Listener questions help kick off the year with practical retirement planning guidance.
Closing out the year, Jeff shares an article outlining five financial lessons families can teach the next generation — from thinking like an owner to saving early and understanding real estate’s long-term role. The team reflects on key themes from 2025, answers listener questions, and discusses how to approach the coming year with a clear retirement game plan.
In this holiday-season show, The Retirement Coaches revisit strategies for charitable giving, including appreciated assets and donor-advised funds. They also discuss tipping etiquette, year-end financial housekeeping, and ways to approach retirement planning conversations before the new year. As always, listener questions help bring real-life context to the discussion.
This episode explores generational differences in banking habits, including the growing use of mobile payment apps. Jeff, Erin, and Robert discuss online shopping considerations as tariff policies evolve and review how qualified charitable distributions may fit into retirement income planning. They also answer a listener question about what happens when a financial advisor changes firms.
The Retirement Coaches open the show with a listener question about helping a parent purchase a home and the tax considerations involved in intra-family lending. They also highlight December newsletter topics, including charitable giving strategies, donor-advised funds, and year-end planning reminders. The conversation wraps with practical holiday insights and thoughtful ways to approach financial decisions before the calendar turn...
Jeff leads a post-Thanksgiving show covering highlights from the Coach’s Corner newsletter, including beneficiary designations, sandwich-generation challenges, and end-of-life cost considerations. He also answers listener questions about savings habits, vault-size guidelines, and how employer plans, COBRA, and ACA coverage fit into retirement timing. The episode features two in-depth case studies that show how real families navigat...
In this episode, The Retirement Coaches walk through highlights from their November newsletter, including generational differences in traditional vs. Roth IRA preferences and the financial pressures facing the sandwich generation. The conversation then moves into year-end topics such as Medicare IRMAA appeals, 2026 premium changes, required minimum distribution considerations, and how dividend-focused investing fits into a broader ...
11-15-25 - Medicare Questions, ACA Changes, Roth Conversion Pitfalls, and Year-End Planning Insights
In this wide-ranging episode, The Retirement Coaches take listener questions on ACA marketplace coverage, how Medicare compares for adults nearing 65, and what to know about Medicare Advantage options for 2026. Jeff, Erin, and Robert also break down common misconceptions around Roth conversions, including tax-bracket considerations and the impact of the SECURE Act on beneficiaries. The episode wraps with practical guidance on enrol...
The Retirement Coaches highlight articles from their November newsletter, including generational differences in Roth vs. traditional IRA preferences and the challenges facing the sandwich generation. They also discuss lifestyle choices in retirement—from long cruises to RV living—and answer listener questions on retirement saving options for young adults.
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