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
Jeff Lapidus flies solo this week covering common life insurance misconceptions, strategies for long-term care planning, retirement income decisions, and Medicare coverage for durable medical equipment with Medicare Coach Frank Ellis. Plus, listener questions on Roth conversions, gifting to children and grandchildren, and managing retirement taxes.
The Retirement Coaches discuss how to balance portfolio risk and income in retirement, sustainable withdrawal strategies, Medicare coverage while traveling, long-term care planning, and what recent market developments could mean for investors. They also answer listener questions on retirement readiness, beneficiary IRAs, and retirement income planning.
The Retirement Coaches discuss how HSAs work before and after Medicare, the challenges facing today’s homebuyers, value investing principles, retirement savings opportunities, and whether the 4% withdrawal rule still makes sense in today’s market. Plus, they answer listener questions on Social Security, pensions, Medicare, and retirement income planning.
The Retirement Coaches discuss recent market gains, strategies for managing highly appreciated investments, and ways to incorporate grandchildren into long-term estate planning. They also break down rising Medicare supplement premiums, explain key differences between Missouri and Illinois Medicare rules, and answer listener questions about retirement readiness and long-term care planning.
The Retirement Coaches - Jeff, Erin, and Robert answer listener questions on retirement planning, including 401(k) rollovers, Roth account strategies, taxes in retirement, and ways to organize your financial picture as retirement approaches. Plus, insights on preparing for life’s next chapter and creating a thoughtful game plan for the future.
In this episode, the Retirement Coaches discuss strategies for navigating today’s financial landscape, including Roth IRA and 401(k) rollover rules, avoiding costly tax mistakes, managing retirement income, and handling market volatility. The conversation also covers business sale planning, rising energy costs tied to AI growth, and practical ways retirees can stay financially and physically active throughout retirement.
The Retirement Coaches celebrate 20 years on the air while sharing practical planning insights. Erin Lapidus, Jeff Lapidus, and Robert Markham discuss rising energy costs, REITs, tax-return planning opportunities, and how “family math” can help retirees make smarter decisions about income, savings, and taxes. They also address listener concerns about a rapidly rising market and explain why a disciplined, regularly revie...
Erin Lapidus and Robert Markham break down recent market volatility, what strong earnings may (and may not) mean for investors, and why long-term discipline matters more than reacting to headlines. They also explore rising energy costs, income strategies like REITs, and how to use your tax return as a planning tool. Plus, answers to listener questions on portfolio rebalancing and inherited IRAs.
On this episode, Jeff Lapidus, Erin Lapidus, and Robert Markham discuss several timely retirement planning topics, including how to think through required minimum distributions, creating cash flow from investment accounts, and using qualified charitable distributions as part of a tax-conscious retirement strategy. They also explain dividend income, price-to-earnings ratios, and what investors may want to know about the new Trump ac...
Erin Lapidus, Jeff Lapidus, and Robert Markham break down timely retirement and tax planning questions, including excess 529 funds, Roth conversion rules, home sale tax issues, IRMAA thresholds, inherited Roth IRA requirements, and charitable giving strategies. It’s a practical discussion focused on helping listeners make informed financial decisions.
The Retirement Coaches — Erin Lapidus, Jeff Lapidus, and Robert Markham — discuss how to handle tax refunds, manage withholding in retirement, and think through Social Security decisions.
They also answer listener questions on income limits, spousal benefits, and planning strategies as tax rules continue to evolve. Practical insights to help you make informed financial decisions.
The Retirement Coaches discuss how to build a retirement income plan, respond to market volatility, and evaluate when you may be ready to retire. This episode focuses on practical strategies and real-world examples to help guide your decision-making process.
The Retirement Coaches walk through a real-life case study showing how thoughtful income planning may help improve tax efficiency in retirement. They discuss required minimum distributions (RMDs), charitable giving strategies, and ways to evaluate where retirement income is sourced. Tune in for practical insights designed to help you make informed financial decisions.
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 newsle...
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 ...
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 lega...
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.
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