Secure Your Retirement

Latest Episodes:

Triple Tax-Free – The HSA Advantage Jul 07, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the powerful benefits of Health Savings Accounts (HSAs) with in-house tax strategist and Certified Financial Planner, Taylor Wolverton. Often overlooked or misunderstood, HSAs offer a rare and highly valuable triple tax advantage—tax-free contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. This episode breaks down the core principles of how HSAs work, how they integrate into your financial and retirement planning, and what rules to watch for, especially when transitioning to Medicare.

Listen in to learn about how to maximize HSA benefits for both short-term healthcare expenses and long-term retirement planning. Taylor explains how to use your HSA as a stealth retirement savings vehicle, how HSA and Medicare interact, and the critical contribution limits and eligibility requirements. If you’ve ever wondered how to use an HSA strategically in retirement, this episode is a must-listen.

In this episode, find out:

What is a Health Savings Account and how does it offer a triple tax-free advantage?
HSA contribution limits and eligibility rules under a high-deductible health plan.
How HSAs interact with Medicare and when contributions must stop.
The best strategies for HSA retirement planning and growing your account long-term.
What happens to your HSA when you pass away and how HSA beneficiaries are taxed.

Tweetable Quotes:

"HSAs are the only triple tax-free account—contributions, growth, and withdrawals can all be tax-free when used correctly." – Taylor Wolverton

"A health savings account isn’t just for annual expenses—it’s a stealth retirement tool when used strategically." – Murs Tariq

Resources:

If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!

To access the course, simply visit POMWealth.net/podcast.

Transitioning into Retirement: Key Steps for a Smooth Shift Jun 30, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the essential elements involved in Transitioning into Retirement and how to ensure you make a smooth and confident shift into this next stage of life. They walk through practical retirement planning steps that cover everything from creating a reliable retirement income strategy, navigating tax-efficient withdrawals, preparing for healthcare costs, and protecting against common retirement risks like market volatility. The Peace of Mind Pathway—a comprehensive process developed by the team—serves as a guide to address all the complex moving parts of retirement planning.

Listen in to learn about crucial financial decisions such as Roth conversions explained, managing Healthcare before Medicare, effective Medicare planning, and Long-term care planning options that protect your assets. Radon and Murs also explore investment strategies like the Bucket investment strategy and how to guard against Sequence of returns risk. Plus, they dive into sophisticated tax strategies like utilizing Donor advised funds, the Direct indexing strategy, and optimizing Charitable giving in retirement. This episode is a masterclass for anyone who wants to plan for retirement, live confidently, and secure your retirement.

In this episode, find out:

· How to design a reliable retirement withdrawal strategy using the bucket system.

· Why Roth conversions may offer powerful long-term tax benefits.

· The importance of strategic tax withholding and year-by-year tax planning.

· How to evaluate your healthcare options before Medicare and address future Medicare planning.

· What to consider for Long-term care planning and protecting your retirement savings.

Tweetable Quotes:

"Transitioning into retirement isn’t just about stopping work — it’s about creating a sustainable income plan that gives you peace of mind." – Murs Tariq

"Every great retirement plan needs nurturing, because life happens and adjustments are always part of the journey." – Radon Stancil

Resources:

To access the course, simply visit POMWealth.net/podcast.

How to Handle an Inherited IRA Step-by-Step for Beneficiaries Jun 23, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the complexities of Inherited IRAs with special guest Taylor Wolverton, a Certified Financial Planner and Enrolled Agent. They break down what beneficiaries need to know about inherited retirement accounts, including crucial updates introduced under the Secure Act. Whether you're a spouse, non-spouse, or special exception beneficiary, this episode helps you understand how to navigate the rules and avoid costly mistakes when it comes to inherited IRA distributions.

Listen in to learn about the different rules based on whether the account was inherited before or after 2020, how the 10-year rule inherited IRA provision works, and how it contrasts with the old Stretch IRA rules. They also explain IRA beneficiary rules for both Roth inherited IRA and traditional IRAs, helping you determine the most tax-efficient strategy for your situation. With insights on Inherited IRA RMD rules, Secure Act IRA changes, and options for non-spouse IRA beneficiaries, this is a must-listen episode for anyone dealing with an IRA inheritance.

In this episode, find out:

What the 10-year rule inherited IRA really means for beneficiaries.
How IRA rules for beneficiaries differ for pre- and post-2020 inheritances.
The difference between spousal vs non-spouse IRA beneficiary strategies.
How to handle Inherited IRA RMD rules and avoid tax penalties.
Why Roth inherited IRA strategies may involve waiting until year 10.

Tweetable Quotes:

“Just because you're not required to take a distribution every year doesn't mean it’s the best strategy for your taxes.” – Murs Tariq

“Understanding whether you're a spouse or non-spouse IRA beneficiary changes everything about how you manage the account.” – Taylor Wolverton

Resources:

To access the course, simply visit POMWealth.net/podcast.

What You Need to Know About Medicare Part D Changes Jun 16, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the important and often confusing world of Medicare Part D with Medicare expert Shawn Southard. With the implementation of the Inflation Reduction Act Medicare provisions in 2025, significant updates have changed the way Medicare drug coverage works, especially for those nearing or already in retirement. Whether you’re currently working and covered by an employer plan or about to transition to Medicare, this episode breaks down exactly what you need to know to avoid unnecessary costs and lifelong penalties.

Listen in to learn about how Medicare Part D changes affect your coverage decisions, how employer coverage and Medicare interact, and why understanding creditable drug coverage is now more crucial than ever. Shawn also discusses HSA and Medicare rules, key timelines for enrollment, and strategies to avoid the dreaded Medicare late enrollment penalty. This is a must-listen for anyone planning to retire comfortably while staying informed and protected when it comes to their Medicare Part D options.

In this episode, find out:

· What exactly Medicare Part D covers and how it works.

· How the Inflation Reduction Act Medicare provisions lower out-of-pocket drug costs.

· What "creditable" drug coverage means and how to know if your employer plan qualifies.

· When and how to enroll in Part D to avoid Medicare penalties.

· How HSA and Medicare rules impact your decision to delay enrollment.

Tweetable Quotes:

“With Medicare Part D changes, what used to be a no-brainer may now require a complete reevaluation.” – Murs Tariq

“Missing a 63-day window could mean a lifetime of penalties—knowing your coverage status is critical.” – Radon Stancil

Resources:

To access the course, simply visit POMWealth.net/podcast.

Beyond the Nest Egg – Crafting Your Life Plan Jun 09, 2025

Show notes

In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the critical but often overlooked topic of Retirement Life Planning with special guest Dr. Corinne Auman a Ph.D. in geriatrics and author of Keenagers While financial strategies and retirement income are vital, this conversation emphasizes the non-financial aspects of retirement, helping you prepare for not just “how much to save for retirement,” but how to truly live well through it. As people live longer, healthier lives, planning for aging with intention has become essential.

Listen in to learn about the difference between a financial plan and a Retirement Lifestyle Plan, how to proactively prepare for transitions like moving into a retirement community or making your home age-friendly, and how to find purpose beyond work. Whether you're looking into continuous care, exploring early retirement, or trying to stay mentally and socially engaged, this episode will help you build a vision that goes far beyond your nest egg.

In this episode, find out:

· Why retirement life planning is just as important as financial planning.

· The SPIES framework: addressing Social, Physical, Intellectual, Emotional, and Spiritual needs in retirement.

· When to start planning for retirement lifestyle goals and how to structure your future.

· The importance of purpose and stimulation after leaving the workforce.

· Why being on a waitlist for a retirement community is part of smart planning.

Tweetable Quotes:

“Retirement planning isn't just financial—it's emotional, intellectual, and deeply personal.” – Radon Stancil

“We all need purpose after retirement. Don’t wait to plan your next chapter.” – Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

The Good Life Abroad Jun 02, 2025

Show notes

In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss how you can design a fulfilling, adventurous, and meaningful retirement through immersive travel. Their guest, Andrew Motiwalla, founder of The Good Life Abroad, introduces an innovative take on retirement lifestyle planning through long-stay and slow-travel experiences in iconic European cities. More than just a vacation, Andrew's approach empowers retirees to live like a local, offering a stress-free way to enjoy extended travel in Europe without the hassle of planning every detail themselves.

Listen in to learn about a lifestyle that blends cultural enrichment, flexible exploration, and social connection. Whether you’ve always dreamed of retiring in Europe, living abroad for a few months at a time, or simply traveling more deeply, Andrew’s concierge-style model offers a compelling alternative to rushed tours or crowded cruises. With thoughtful support, vetted accommodations, medical coverage, and built-in community, this is retirement travel planning designed for comfort, fun, and fulfillment.

In this episode, find out:

· How living abroad in retirement can offer an immersive and stress-free lifestyle.

· What makes Andrew’s travel concierge service unique for retirees.

· Why slow travel Europe is gaining popularity among those 55+.

· How the community-based cohort model adds joy and connection to extended trips.

· The difference between traditional travel planning and a concierge-guided experience.

Tweetable Quotes:

“Retirement is your time—and living abroad offers the freedom to enjoy it your way, at your pace.” – Murs Tariq

“When you slow down and live like a local, you stop checking boxes and start truly experiencing the culture.” – Radon Stancil

Resources:

To access the course, simply visit POMWealth.net/podcast.

The Peace of Mind Pathway – Step 3 – Nurture May 26, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the third and final step in the Peace of Mind Pathway—Nurture. After creating a retirement-focused plan and implementing key strategies, nurturing your plan is what keeps it strong and adaptive for the long haul. Much like maintaining a car on a long road trip, your financial plan needs regular checkups, updates, and care to remain effective. This episode walks through the structure and purpose of your ongoing financial advisor meetings, and how regular reviews help you manage changes in income, required minimum distributions (RMDs), risk tolerance, and personal goals.

Listen in to learn about the critical components of an annual retirement planning process—including the Roth conversion strategy, retirement tax planning, and long-term care considerations. Radon and Murs outline the cadence of two core strategy meetings each year: the Financial Plan Review and the Tax Strategy Meeting. You’ll also discover how their team supports clients with proactive retirement education, timely updates, and a collaborative, team-based approach to financial planning for retirement.

In this episode, find out:

· Why nurturing your plan is essential to retiring comfortably.

· What happens in the Financial Plan Strategy Meeting and how it supports your evolving goals.

· The value of the Tax Strategy Meeting and how it aligns with your retirement tax strategy.

· How long term care planning and beneficiary reviews are integrated annually.

· The importance of communication and ongoing retirement education to keep your plan on track.

Tweetable Quotes:

"Building a retirement plan is just the beginning—nurturing it ensures you stay on track through every stage of life." – Radon Stancil

"Strategy meetings are not just check-ins; they’re where proactive planning meets real-life updates to secure your retirement." – Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

The Peace of Mind Pathway – Step 2 – Implementation May 19, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the second step in the Peace of Mind Pathway—Implementation. This is where the planning becomes reality. After building your personalized retirement roadmap, it's time to put your financial planning for retirement into motion. From investment transitions to estate documents and tax strategy retirement planning, this episode walks you through what happens after you say, “I’m ready.” It's not just about moving assets—it’s about building a solid structure to retire confidently and comfortably.

Listen in to learn about the intentional and methodical approach used at Peace of Mind Wealth Management to ensure your retirement income strategy, healthcare coverage, long term care planning, and retirement tax planning are all set up efficiently. This step-by-step retirement planning process also includes evaluating your current estate plan, understanding your Medicare and retirement options, and implementing a bucket strategy for retirement that aligns with your comfort level and goals. Discover how implementation isn’t a one-time task—it’s the beginning of a lasting, flexible retirement journey.

In this episode, find out:

· What happens when you decide to move forward with your retirement plan.

· How asset transfers are managed through trusted custodians like Schwab or Fidelity.

· Why implementation is paced over months to ensure thoughtful decision-making.

· The key components of investment strategy for retirees, tax efficiency, and legal documentation.

· How the Peace of Mind Pathway supports retiring comfortably through long-term care and Medicare strategy.

Tweetable Quotes:

“Implementation is not a one-and-done step—it’s the launchpad for long-term retirement success.” – Radon Stancil

“We take baby steps with purpose, so every element of your retirement plan gets the attention it deserves.” – Murs Tariq

Resources:

To access the course, simply visit: POMWealth.net/podcast

The Peace of Mind Pathway – Step 1 – Your Roadmap May 12, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the foundational first step in their three-part Peace of Mind Pathway: The Peace of Mind Roadmap. This step is all about creating a personalized retirement roadmap to help you clearly define where you are, where you want to go, and what your journey through retirement will look like. Through real examples and a GPS-style analogy, they break down the importance of clarity and confidence when beginning the retirement planning process. The roadmap goes far beyond investments—it covers your retirement goals, Retirement income strategy, tax planning, estate planning, and more.

Listen in to learn about how building a retirement-focused financial plan can reduce stress, reveal opportunities, and help you retire comfortably. You'll hear how an introductory meeting evolves into a comprehensive, personalized strategy session that gives you direction and peace of mind. With topics ranging from Roth conversions in retirement to bucket strategy retirement, this episode is perfect for anyone who’s ready to take their first step toward a secure your retirement future.

In this episode, find out:

· Why the Peace of Mind Roadmap is critical to financial planning for retirement

· How your personalized GPS for retirement guides your unique journey

· The role of planning meetings and how they evolve into strategy sessions

· How to evaluate your retirement destination and adjust along the way

· The impact of Roth conversions, healthcare costs, and charitable giving on your plan

Tweetable Quotes:

"Your retirement plan should function like a GPS—clear, adaptable, and designed around your unique destination." – Radon Stancil

"A well-crafted roadmap gives you more than numbers—it gives you the confidence to enjoy your retirement journey." – Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast

Retirement Hobbies and Activities - What Today's Retirees Love to Do May 05, 2025

Show notes

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss the fun and fulfilling side of retirement: retirement hobbies and retirement activities. After years spent working and raising families, many retirees look forward to rediscovering passions or picking up new interests. Radon and Murs explore why hobbies after retirement are so important for mental, physical, and emotional well-being and share some of the most popular retirement lifestyle ideas embraced by today's retirees.

Listen in to learn about fun things to do in retirement, from volunteering in retirement and gardening to traveling and staying active with sports like pickleball. They also discuss how participating in activities after retirement helps build social connections, promotes lifelong learning, and keeps retirees energized. If you're planning retirement lifestyle goals, this episode is full of practical inspiration to help you retire comfortably and secure your retirement.

In this episode, find out:

· Why it's crucial to plan hobbies for seniors ahead of retirement.

· The best ways to incorporate fun things to do in retirement into daily life.

· How volunteering in retirement benefits your health and social life.

· Why activities like gardening, traveling, and learning are top picks for retirees.

· Tips for trying new activities for retirees and building a fulfilling lifestyle.

Tweetable Quotes:

"Retirement is the perfect time to invest in yourself through hobbies that inspire, energize, and bring joy." — Radon Stancil

"Having an active retirement isn't just fun—it's essential for your mental, physical, and emotional well-being." — Murs Tariq

Resources:

To access the course, simply visit POMWealth.net/podcast.

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