The Sage Investor

What if the biggest obstacle to your financial future is simply not asking the right questions? In this episode of the Sage Investor Podcast, host and certified financial planner Larry Kiser breaks down the myths and fears that keep women—and many men—from meeting with a financial advisor. Discover why financial planning doesn’t have to be intimidating, how to spot red flags, and the essential questions to ask bef...

Did you know there are over 500 ways to claim Social Security—and your choice could shape your retirement income for decades? In this episode, Larry Kiser of Sage Wealth Design unpacks the maze of Social Security strategies, spousal benefits, and the evolving role of pensions. Learn why personal savings matter more than ever, how to navigate changing rules, and why every retirement plan needs a tailored approach. Whether you&...

Retirement planning isn’t one-size-fits-all—and for women, the stakes are even higher. In this episode, Larry Kiser of Sage Wealth breaks down why women face unique financial challenges, from longer lifespans and career interruptions to wage gaps and conservative investing. Discover practical strategies to close the retirement gap, maximize savings, and build confidence for the future. Whether you’re just starting...

What if one unexpected event could unravel your financial security? In this episode of the Sage Investor, host Larry Kiser explores the crucial steps women can take to preserve their assets and prepare for life’s surprises. From the realities of long-term care and hybrid insurance to the importance of wills, trusts, and powers of attorney, this conversation breaks down intimidating topics into practical advice. Real stories h...

What happens when life hands you the financial cockpit—and you’ve never flown the plane? In this episode of the Sage Investor podcast, financial planner Larry Kiser tackles why women must take charge of long-term investing and retirement planning. From real-life stories of sudden widowhood to practical steps for building a diversified portfolio, this conversation breaks down intimidating financial jargon and highlights ...

Ever wondered how a simple budget can transform your financial future? In this episode, we dive into the 50-30-20 rule, breaking down how to allocate your income for needs, wants, and savings. Join us as we explore practical tips and real-life examples to help you build a solid financial foundation without feeling restricted.

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Ever wondered how your childhood money habits shape your financial future? Dive into the emotional baggage we all carry and discover how to rebuild your financial confidence. Join us as we unpack personal stories and expert insights to help you understand and transform your money mindset.

Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry ...

Larry Kiser talks about the bold decision people make to retire – to go from accumulating to spending. Larry shares the questions he asks people about their resources and how he assesses what they have. He also discusses several ways to move money and help it grow and dives deep into how Sage Wealth Design uses modeling to see how long money may last. Larry also shares about his seminars on people controlling what they can co...

Larry Kiser discusses his path to becoming an advisor. Larry shares about his initial entrepreneurial endeavors and how advice about work ethic from a friend led him into life insurance and financial planning. He also shares why having staunch principles is a major guardrail for how he does his business and why he ventured out on his own a couple of years ago. And Larry tells about his April 22nd and 23rd dinner seminar on control ...

Larry Kiser discusses pensions and how they differ from 401(k)s and other retirement plans. Larry lays out three different types of pension plans and how payments can vary. He also lays out a strategy for taking less money in a pension and more than offsetting it by the right life insurance plan. Larry also explains the importance and enjoyment he has in meeting people at dinner seminars.

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Larry Kiser discusses QCDs: what they are, the types of accounts that can disperse them, and the ages that people have to make these decisions. Larry also highlights several more parameters, including the maximum amount that a QCD can be for in each year. Larry also talks about why he was rooting for the Chiefs in the Super Bowl and the grief he took for it.

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Larry Kiser discusses some IRS rules that are changing, particularly around retirement accounts. Larry explains how those changes affect people and he defines the difference between tax preparation and tax planning. Larry also discusses his recent trip to San Antonia to see his beloved Brigham Young play in the Alamo Bowl.  

Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry...

Larry Kiser discusses the importance of sticking to principles and what exactly asset allocation is. Larry shares how asset allocation is such a large percentage of success in the market and three elements of it. Larry also shares three types of ways to diversify money. And he introduces the world to his new granddaughter Georgia.

Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larr...

Larry Kiser defines what required minimum distributions are and why the government is so fervent in enforcing them. Larry has a funny saying about the IRS and shares what ages people have to start taking RMDs – and the tax implications. Larry also talks about how he thinks the Big 12 has been overlooked in college football this season.

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Larry Kiser discusses what qualified money is and what Larry thinks a good threshold is for people saving it. Larry describes the pitfalls of putting too much money on pre-tax accounts and leaving them on autopilot and the three buckets of money and what the tax implications for each are. Larry talks about his Thanksgiving travel to an oddly named Utah county.

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Larry Kiser defines what qualified money and non-qualified money are and the types of accounts that align with each. Larry explains different penalties and strategies for managing both types of accounts and the catch that some people do not expect when converting accounts. Larry also discusses his Thanksgiving plans and his love for the message in George Washington’s Thanksgiving Proclamation of 1789.

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When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future.

That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and e...