Power Your Retirement

Power Your Retirement

Hosted by Steve Smit, CERTIFIED FINANCIAL PLANNER® and founder of Powerhouse Financial Advisors, this podcast is designed to help employees of large publicly traded utility companies take control of their retirement planning. Steve, author of Power Up Your 401(k), shares insights on maximizing 401(k) options, navigating self-directed brokerage accounts, and creating a secure financial future. Tune in for practical advice, helpful resources, and strategies to power up your retirement! Subscribe and never miss an episode! Also available in video format on YouTube. For more information about Power Your Retirement, visit PowerhouseFinancialAdvisors.com or call 775-266-8867.

Episodes

March 26, 2026 13 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the bigg...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

Everywhere you turn, somebody’s got financial advice. The problem is, they’re talking to millions of people at once… but you only get one ...

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March 12, 2026 10 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

Many people treat old retirement accounts like collectibles; every job leaves behind another 401(k) sitting somewhere in the background. But ha...

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March 5, 2026 9 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

Having “too much cash” sounds like a high-quality problem, until it starts quietly working against you. Steve tackles a subscriber questio...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

With 2026 here, it’s a good time to step back and revisit what Powerhouse Financial Advisors is really about. This episode pulls back the ...

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February 19, 2026 22 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

In the spirit of Valentine’s Day, Steve has a little fun comparing a lifelong relationship to your financial journey. From the first spark...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

Paying off debt is a huge milestone, but what you do next can shape the rest of your retirement. In this episode, Steve tackles two common...

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February 5, 2026 13 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

One of the most important retirement decisions doesn’t show up on your paycheck; it shows up in how your contributions are taxed. That’s w...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

There’s no shortage of financial advice out there, and unfortunately, not all of it is good. Some of the most damaging retirement mistakes...

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January 22, 2026 16 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

After a year filled with volatility and economic curveballs, it’s understandable why optimism about the economy may not come naturally for...

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January 15, 2026 20 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

There’s something unforgettable about a snow day- unexpected, disruptive, and strangely freeing. In this episode, Steve borrows classic sn...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

A new year brings new rules, and some of the changes in 2026 could quietly impact your cash flow, taxes, and retirement strategy. In this ...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

As we close out 2025 and look ahead to the new year, we’re answering listener questions in this special mailbag episode. From spending mor...

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December 23, 2025 24 mins

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

You’ve heard the saying, “There’s no such thing as a bad question.” But in retirement planning… some questions are definitely better than ...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

How do you know if the financial advisor you’re working with is actually the right fit or a costly mistake waiting to happen? Steve pulls ...

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📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 

Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html

We spend plenty of time talking about how to become a client, but today we flip the script and talk honestly about what it’s like once yo...

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Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Steve breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retirement’s biggest wildcards, but with the...

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November 26, 2025 19 mins

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Thanksgiving gives us the perfect excuse to pause and appreciate what’s going right, financially and otherwise. Gratitude doesn’t just lift your mood; it has a real impact on how you save, spend, and plan for the future. When we slow down long enough to acknowledge what we have, it becomes easier to make wiser, more grounded financial decisions.

Today, Steve talks about how thankfulness may be one of the most powerfu...

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Most people think financial planning is about calculators, spreadsheets, and strategies, but that’s only half the story. The way you feel about money can influence your decisions just as much as the numbers do. Steve explores how emotions shape retirement choices, investment preferences, debt decisions, and even legacy goals. Numbers create the structure, but your feelings shape the plan that truly fits your life.

He...

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November 13, 2025 17 mins

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What would you do if a client came in with $1 million in cash to invest? That was the question put to three financial advisors in a recent article. Today, Steve is reacting to their takes and adding some important layers that the article missed. It’s interesting to hear what other pros recommend, but the reality is that every million-dollar plan is unique. 

Here’s some of what we discuss in this episode:

💰 The Millio...

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