Retire Rich: Tales of Financial Freedom
Welcome to Retire Rich: Tales of Financial Freedom with Marc Hernandez and Carlos Lopez from MAH Financial. In this podcast, we guide professionals of all generations, including GenX, Millennials, and Baby Boomers, to answer an array of questions ranging from building wealth in 401(k) plans to selecting life insurance policies, including questions about IRAs, dividends, and bond alternatives. So, tune in as South Texas’ own financial advisors and fiduciaries, Marc and Carlos, draw from years of expertise, interview clients, and share stories of financial wisdom to accelerate your path to achieving your financial goals.
Episodes
In this episode of Retire Rich: Finance Simplified, Carlos Lopez and host David Saldivar discuss one of the most common responses people give when asked how their retirement savings are invested: “I don’t know.”
The conversation explores why understanding your workplace retirement plan is so important, especially for educators, government employees, and others with...
In this episode of Retire Rich: Finance Simplified, the MAH Financial team examines one of the most important questions facing retirees and pre-retirees: How much can you withdraw each year without outliving your savings?
The conversation explores the gap between retirement expectations and actual savings, how expenses may change throughout retirement, and the traditional 4% withdra...
In this episode of Retire Rich: Finance Simplified, the MAH Financial team discusses one of the biggest challenges retirees face: making sure their money lasts throughout retirement.
With people living longer than ever before, retirement planning is no longer just about reaching retirement—it’s about creating a strategy that can support your lifestyle for decades. The conversation explores longevity, retirement income p...
In this episode of Retire Rich: Finance Simplified, the MAH Financial team discusses how global events can create uncertainty in the financial markets and why it’s important to stay engaged with your retirement strategy.
From war and tariffs to inflation and oil prices, the conversation explores how geopolitical concerns may impact investors and why reviewing your risk tolerance, account allocations, and income strategy can b...
In this episode of Retire Rich: Finance Simplified, the team discusses a common challenge many workers face: keeping track of retirement accounts after changing jobs.
As careers evolve, it's not unusual to accumulate multiple retirement accounts from previous employers. The conversation explores some of the considerations involved in managing old 401(k)s, understanding available options, and staying organized as you work toward you...
In this episode, we take a more open, conversational approach, covering real questions, common challenges, and what we’re currently seeing with clients when it comes to investments and financial planning.
From understanding how your retirement accounts are structured to rethinking how your money is invested, this discussion highlights the importance of staying informed and involved in your financial decisions.
Key Topics Cove...
In this Season 3 premiere, we kick off the new year by focusing on financial organization and protecting yourself in an increasingly digital world. As you move past the holidays and start thinking about your finances, it’s important to review the previous year and stay ahead of potential risks.
From understanding your tax documents to recognizing modern scams, this episode is designed to help you start the year informed, orga...
In this episode, we cover key retirement planning strategies to help you strengthen your financial future heading into 2025. From maximizing Social Security and retirement contributions to reducing taxes and avoiding costly mistakes, these insights can help keep your plan on track.
Key Topics Covered:
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When to claim Social Security to maximize lifetime income
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2025 IRA and 401(k) contribution limits and catch-up opportunities
...
In this episode, we break down the key elements of a strong, fulfilling retirement plan — from managing healthcare costs to staying emotionally grounded. A solid financial foundation, reliable income, and proactive planning can make your retirement healthier, happier, and more secure. We also cover why lifestyle habits matter just as much as numbers on a page. Connect with Marc Hernandez: LinkedIn: Marc Hernandez: htt...
The Great Wealth Transfer is underway, with more than $84 trillion expected to move between generations—but relying on an inheritance is still a risky strategy. In this video, we cover why your personal retirement savings should remain your priority, how foundational legal tools like a Trust and a Will can protect your family, and why open communication matters in every estate plan.
We’ll also discuss how to align your ...
Sustained inflation doesn’t just raise prices—it can quietly chip away at your Social Security benefits. In this episode, we break down how COLA (Cost-of-Living Adjustments) works, why it may not fully protect your spending power, and how rising Medicare premiums and taxes can offset your increase. What you’ll learn:
- Why COLA is imperfect and often lags...
In this episode, the MAH Financial team discusses how an Indexed Universal Life (IUL) policy can be a powerful wealth-building tool with unique tax benefits. They break down the “triple crown” of advantages: tax-deferred growth, a tax-free death benefit for loved ones, and tax-free access to cash value during your lifetime. Learn how IULs compare to traditional accounts and how they can be used strategically for expense...
In this episode, MAH Financial explores how federal employees can access retirement funds early after a layoff by using IRS Section 72(t). The discussion breaks down how Substantially Equal Periodic Payments (SEPPs) work, calculation methods, the long-term commitment required, and the risks of triggering penalties if rules aren’t followed. The team also discusses how careful planning can make 72(t) a valuable strategy to brid...
In this episode, we explore key retirement tax strategies including Roth IRA conversions, leveraging lower tax brackets, and maximizing the enhanced senior deduction. We break down how Social Security is taxed, what’s happening with the Social Security Trust Fund, and how upcoming tax cuts may impact retirees. Plus, we touch on evolving healthcare policies and what they could mean for your financial future!
In this episode, the team at MAH Financial Services discuss why planning for healthcare costs in retirement is so important. We break down Medicare and what each part covers, Medigap insurance, long-term care and more! Tune in to learn how you can strategically plan for healthcare costs, and spend less time worrying in retirement.
In this episode, we sit down with our client Joe to talk about how he’s navigating retirement with clarity and confidence. From staying organized to creating (and sticking to) a plan, Joe shares what’s worked for him and why sometimes, less is more. Tune in for practical insights on reviewing your retirement strategy and keeping things simple for a smoother journey ahead.
In this episode, we discuss what happens when you inherit an IRA as an individual versus inheriting as a couple. We'll also explore ways you might be able to reduce taxes on your IRA, and maximize your return. Let's dive in!
Kai-Zen is a strategic approach targeted to high-income earners. To put it simply, Kai-Zen allows you to finance your life insurance premium. Once a certain number of premiums have been paid, the bank will match those premiums for future payments. Tune in to learn more!
Sharp drops in major indexes and economic uncertainty have many pre-retirees and retirees wondering: “What does this mean for my future?” It’s natural to feel uneasy when markets move like this, especially if you’re nearing or already in retirement. But here’s the good news: market turbulence isn’t new—and if your strategy is built the right way, it’s something you’re already pr...
In this episode of Retire Rich: Tales of Financial Freedom, Marc Hernandez explores the fascinating world of collectibles and how they might be a hidden asset in your financial portfolio. Join him as he explores the potential of collectible investments, from rare sports cards to autographed memorabilia.
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