What The Wealth Retirement Podcast

Your kids inherit your IRA and the rules don’t “wait until they’re ready.” The SECURE Act puts most non-spouse beneficiaries on a 10-year deadline, and that single change can turn a well-built retirement account into a forced tax event right when your children are earning the most. We dig into what the 10-year inherited IRA rule really means for traditional IRAs, 401(k)s, 403(b)s, and yes, inherited Roth IRA...

Your Social Security check has a rank, and the “average benefit” doesn’t tell you where you actually stand. I’m using the latest 2026 Social Security Administration data to put real numbers around a question most retirees never answer: "What percentile is your monthly benefit compared to everyone else already collecting?"

We walk through the benefit ladder from bottom 10% to top 1%, including the doll...

A new 2026 tax deduction is about to create a lot of confusion for retirees and a lot of quiet disappointment at tax time. If you are married and both 65 or older, the new “senior bonus” can be worth up to about $12,000, stacked on top of the standard deduction and the additional age 65+ amount. That sounds like found money, but the real story is what happens when your income is higher than you expect once you combine S...

You can do everything “right,” hit a big retirement number, and still find out you can’t afford to retire at 60. That’s the uncomfortable math behind Robert and Susan’s $1.6 million plan and it has nothing to do with under-saving. The real issue is where the money lives and how withdrawals show up on your tax return. When your nest egg is concentrated in a traditional 401k and IRA, the IRS takes a bite...

(Short episode) One small assumption can turn a routine Required Minimum Distribution (RMD) into an IRS penalty, and it happens to smart retirees all the time. We walk through the real-world RMD mistakes we see most often, using simple examples that make the rules stick without the jargon overload.

The “married filing jointly” trap: Why you still cannot satisfy two spouses’ IRA RMDs from one person’s ...

That “debt-free” feeling is powerful, but the number on your mortgage statement may not be the real price of paying it off. A retirement planning trap that catches a lot of homeowners: Using taxable IRA or 401(k) withdrawals to wipe out the loan, then realizing the tax bill turns a $300,000 payoff into something closer to $395,000. If you’ve been tempted to write a big check for peace of mind, this conversation he...

A simple fable can reveal a brutal truth about retirement: Sometimes the “plan” you’re chasing is the life you already have. We tell the story of The Fisherman and the Businessman to highlight one of the biggest mistakes we see in retirement planning and financial planning: Focusing on building the biggest pile of money instead of building the freedom to live the life you actually want.

🗓️ Meet with me: https://pa...

A retirement plan can look flawless on paper and still feel wrong the moment real life changes. We start with Tom and Janet, a couple with a paid-off home, no debt, and a strong nest egg, who originally planned to work a few more years and claim Social Security at 67. The numbers checked out. The stress tests looked great. Then Janet hit burnout and gave herself two days to confirm whether walking away from work was actually possib...

Most people can name the “retirement age” in a second. But the number that quietly unlocks real flexibility for your 401(k), 403(b), and traditional IRA is 59.5 and missing it can keep you working years longer than you need to. We walk through why that milestone matters, what changes when the 10% early withdrawal penalty goes away, and how access to your retirement accounts can reshape the way you think about retirement...

Retiring at 65 sounds safe until you look at one overlooked number: Healthy life expectancy. 

If the average American starts facing meaningful health limitations around the same age most people leave work, the biggest risk to your retirement might not be the market or your savings rate, it might be the shrinking window of time when you can actually do the things you dreamed about. That’s the wake-up call we dig into, alon...

Retirement confidence is at its lowest level since 2017, and the twist is that many people are doing “fine” on paper. So why are folks hesitant to stop working? I walk through what I see after helping hundreds of retirees: Confidence is not built by a bigger portfolio. It is built by a clear plan you can follow when inflation spikes, the market drops, or health care costs surprise you.

We start with the data behi...

A million dollars for retirement sounds like the finish line, until you try to live on it and realize there is no paycheck attached. I’m Jonathan Bedner, a Certified Financial Planner with Paradigm Wealth Partners, and in this episode I'll walk you through a simple, practical way to turn a retirement nest egg into monthly income you can actually rely on. The goal is building a system that feels steady even when the market doe...

A buyout offer can feel like a gift, but it can also quietly wreck a retirement plan if you treat the severance cheque like a finish line. Let's walk through the real-world decisions behind Microsoft’s recent reported voluntary retirement style separation package and why moves like this matter to anyone working at a large company. When one major employer offers early exits, the idea spreads fast, and the next offer could land...

Retiring to Tennessee sounds simple until you start adding up the real numbers. We hear the same line again and again: “Tennessee is tax-friendly.” That’s true, but it’s also the fastest path to a bad decision if taxes are the only thing you consider.

In this episode I walk through what “no state income tax” actually means for retirees and what it doesn’t mean. Tennessee doesn’...

There’s a retirement risk almost nobody models, and it has nothing to do with the stock market. It’s the quiet trade you make when you keep working past the point where your healthiest years are already slipping away.

We stitched together several of my most important retirement planning clips into one focused compilation. First, I explain why age 58 can be a real turning point: health, energy, and mobility start ...

The hard truth: Most retirements don’t fail on spreadsheets. They fail in real life when emotions, freedom, and spending collide. After decades of doing everything right, it’s easy to feel like you’ve earned the luxury car, the bigger house, the nonstop trips, the generous gifts, the open tab for adult kids, or even the dream vacation home. 

I break down why those “deserved” purchases often carry l...

Too many retirees make one pension decision they can’t undo and it reshapes their entire financial future. We break down the real trade-offs hiding behind payout options, survivor benefits, and the lure of a lump sum, then show you how to weave your pension together with Social Security and investments to build a calm, resilient retirement plan.

We start by reframing the pension as a supercharged bond; steady, predicta...

The years between your last paycheck and your first Social Security or RMD can be the most valuable tax planning window of your life. We call it the Golden Window, and it’s when your income is low, your tax brackets are flexible, and your choices can reshape your entire retirement. In this conversation I lay out the strategy that helped one couple save $180,000 in lifetime taxes without sacrificing lifestyle or taking more ri...

In this episode, I explain how inheritances go wrong and lay out a plan to keep wealth private, tax-smart, and protective. We compare wills and trusts, share real examples, and detail tools that shield heirs from probate, overspending, taxes, and outside claims.

• Hidden risks of probate, cost, delay, and publicity
• Living trusts for privacy, speed, and control
• Trust funding steps and trustee selection
• Spendthr...