The Atomic Retirement Podcast

36. 10 Tax Myths That Could Be Costing You Thousands Mar 08, 2025

Think you know how taxes work? Some of the most common tax "facts" people believe are actually costing them money.

In this episode, we’re diving into 10 of the biggest tax myths to set the record straight. We’ll cover:

✅ Why being in a higher tax bracket doesn’t mean all your income is taxed at that rate
✅ The reason many retirees end up paying more in taxes than expected
✅ The truth about Social Security taxes, inheritance taxes, and tax refunds
✅ How simple tax misunderstandings can lead to big penalties and missed savings
✅ What you can do right now to avoid common tax traps

If you want to keep more of your hard-earned money and avoid unnecessary tax surprises, this episode is for you.

Episode Resources

10 Common Tax Myths Debunked

Better Business Bureau

Directory of Federal Tax Return Preparers

How to Detect and Block Spam Callers on an iPhone

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Tax Return Review
Investment Check-Up
Retirement Income Analysis

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35. Collecting Over $2 Million in Social Security Benefits (And How to Calculate Yours) Mar 01, 2025

Most retirees don’t realize just how valuable Social Security can be—or how much strategy goes into maximizing those benefits.

In this episode, we break down a real-life case study of a couple I work with, let's call them James and Elizabeth. Thanks to a smart claiming strategy, they’re projected to collect over $2.4 million in lifetime Social Security benefits. We’ll walk through:

✔️ Why the higher-earning spouse should consider delaying benefits
✔️ How spousal and survivor benefits can significantly boost lifetime income
✔️ The impact of cost-of-living adjustments (COLAs) on long-term benefits
✔️ How to check your Social Security statement and calculate your own benefits

Are you making the most of your Social Security? Learn how to run your own numbers and avoid leaving money on the table.

Episode Resources

Social Security Administration

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Tax Return Review
Investment Check-Up
Retirement Income Analysis

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34. Why You Should Freeze Your Credit Today (And How To Do It In 15 Minutes) Feb 15, 2025

Freezing your credit is one of the easiest and most effective ways to protect yourself from fraud and identity theft, and the best part? It’s free and only takes 15 minutes.

In this episode of The Atomic Retirement Podcast, you'll learn:

✅ What a credit freeze is and how it helps protect you from fraud

✅ Step-by-step instructions on how to freeze your credit at all three major bureaus

✅ Additional ways to protect yourself from fraud, scams, and data breaches

With data breaches happening daily and identity theft on the rise, taking a few minutes today can save you months or years of financial headaches.

Episode Resources

Experian Credit Freeze

Experian's number (888) 397-3742

Equifax Credit Freeze

Equifax's number (888) 298-0045

TransUnion Credit Freeze

TransUnion's number (800) 916-8800

Identify Theft Resource Center's 2024 Annual Data Breach Report

AnnualCreditReport.com

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33. 7 Reasons Why a Roth Conversion Might Be a Bad Idea Feb 08, 2025

Roth conversions are often touted as a smart tax move—but are they always the right choice? Not necessarily. In this episode, we’re breaking down 7 situations where a Roth conversion might actually cost you more in taxes than it saves you.

You’ll learn:
✅ Why a partial Roth conversion is probably smarter than going all in
✅ How your income two years ago impacts your Medicare premiums
✅ Why you might regret converting if you plan to donate to charity
✅ How future medical and long-term care expenses could make keeping IRA dollars more tax-efficient
✅ The tax trap of converting before moving to a no-tax state

Before you convert your IRA, make sure you’re not making a costly mistake. Tune in to find out how to make the best decision for your retirement.

Episode Resources

When Roth Conversions Make No Sense

Form SSA-44, Medicare Income-Related Monthly Adjusted Amount Life-Changing Events

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32. Warren Buffett’s Estate Plan: 10 Lessons You Need to Know Feb 01, 2025

Warren Buffett has spent a lifetime building wealth—but his greatest financial lesson isn’t about investing. It’s about what happens after you’re gone.

In a recent letter, Buffett revealed key details about his estate plan, why he’s giving most of his fortune to charity, and the steps he’s taken to prevent confusion and conflict for his family. His biggest lesson? Estate planning isn’t just about money—it’s about protecting the people you love.

In this episode, we break down 10 estate planning lessons from Buffett’s letter, including:
✔ Why your will should never be a surprise to your family
✔ The importance of naming a successor trustee to avoid legal headaches
✔ How Buffett’s “unanimous vote” rule protects his heirs from pressure and bad decisions
✔ Why trying to control your wealth from the grave can backfire
✔ How to create an estate plan that strengthens family bonds instead of tearing them apart

Whether you have millions to pass down or just want to avoid family stress, this episode will help you take action and create a plan that works.

Tune in to learn how to protect your legacy—and your loved ones.

Episode Resources

Warren Buffett's Gifting Letter to Shareholders

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31. Should You Claim Social Security Early to Invest It? Jan 25, 2025

Should you claim Social Security early and invest the money, or wait for a higher monthly benefit? What about using annuities to supplement your income? In this episode, we break down the numbers, risks, and real-life considerations to help you make the best decision for your retirement.

Plus, learn about an exciting new Social Security change that benefits millions of Americans—especially retirees like firefighters, teachers, and police officers.

What You’ll Learn:

The pros and cons of claiming Social Security early.
How to decide if waiting for a higher benefit is worth it.
Why annuities might (or might not) be part of your strategy.

If you’re planning for retirement, this episode is packed with practical tips and actionable advice you won’t want to miss.

Episode Resources
Delay Social Security, Invest More or Buy an Annuity: What's Best for Retirement Income?
Breakeven Returns For Delayed Social Security Claiming
Social Security Fairness Act Signed Into Law by Biden, Enhancing Retirement Benefits for Millions
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Tax Return Review
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30. 6 Tax Breaks After 50 That Could Save You Thousands Jan 18, 2025

Did you know taxes could be your largest retirement expense? If you’re over 50, you’re in a prime position to take advantage of powerful tax breaks that can save you thousands—but many people miss these opportunities and end up overpaying.

In this episode, we’ll uncover 6 key tax strategies to help you keep more of your hard-earned money, including:

Catch-Up Contributions: Maximize your retirement savings.
Qualified Charitable Distributions (QCDs): Support causes you care about while lowering your tax bill.
And more proven ways to reduce taxes in retirement.

If you’re nearing retirement, this episode is packed with must-know tips to help you minimize taxes and maximize your wealth.

Episode Resources
6 Tax Breaks After 50 You Can't Afford to Miss
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29. Financial Regrets and Wisdom from Americans Over 80 Jan 11, 2025

Ever wonder what people in their 80s and 90s wish they’d done differently with their money? In this episode, we explore their financial wisdom and regrets—from outliving their savings to navigating unexpected life changes like divorce and career shifts. These heartfelt stories highlight the importance of planning for the unexpected and making the most of your wealth while you can.

You’ll gain:

Practical tips to avoid common financial mistakes.
Insights on how to prepare for life’s surprises.
Strategies to create a retirement plan you won’t regret.

It’s never too late—or too early—to learn from those who’ve been there.
Episode Resources
The Financial Regrets and Wisdom of Americans Over 80
Average Car Payment and Auto Loan Statistics
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28. How Investors Can Earn Better Investment Returns with Ashby Daniels Jul 23, 2024

Better investment returns (we all want them). Today we're discussing how to be a more successful long-term investor and I'm joined by Ashby Daniels, a financial planner and the mastermind behind Money Visuals. Money Visuals is Ashby's creative outlet where he shares wisdom and timeless ideas for long-term investors. We can learn many important lessons from the world's greatest investors and I can't think of someone better to share them with you than Ashby. Whether you're new on your investing journey, have been doing this for a while, or are a financial planner, today's episode is for you. So join us as Ashby shares practical advice and tips that can help you increase your investment returns and your probability of achieving your financial goals. I hope you enjoy this episode of The Atomic Retirement podcast!

Resources Mentioned

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MoneyVisuals LinkedIn

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27. Making Memories and Creating Your Dream Vacation with Mark Comfort May 10, 2023

When it comes to bringing people together, few things can match the magic of food, music, and, of course, the thrill of vacationing. Today we're talking about vacationing and I'm joined by Mark Comfort, an industry expert with more than 30 years of experience helping people create memories that last a lifetime. Mark has traveled to 108 countries and he and his wife Mimi are the owners of Cruise Holidays and Comfort Tours and Travel in Kansas City. They specialize in ocean cruises, river cruises, all-inclusive resorts, and custom land-based vacations, and they transform ordinary vacations into extraordinary journeys, taking people on thrilling adventures across the globe. If you're looking for ideas for your next family vacation or would like help planning one, today's episode is for you. So grab your passport and join us as Mark shares a few of his vacation secrets, favorite destinations, and unlocks the keys to a life filled with adventure. I hope you enjoy this episode of The Atomic Retirement podcast!
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26. The High Price Retirees Pay for Collecting Social Security Too Early Mar 23, 2023

One of the most important decisions you will make in retirement is deciding when to collect your Social Security benefits. Social Security is a guaranteed lifetime annuity designed to pay you an inflation-protected income for as long as you live. But figuring out when to collect payments, especially if you are eligible for multiple benefits or coordinating with a spouse, can be nearly impossible. And here is the hard truth. Most retirees are giving up tens of thousands or even hundreds of thousands of dollars because they collect their benefits too early. I hope you enjoy this episode of The Atomic Retirement podcast!
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25. Buying and Selling a Home with Kiley Willis Mar 14, 2023

Today we're talking all things real estate with Kiley Willis. Kiley is a realtor at ReeceNichols Plaza in Kansas City (licensed in both Kansas and Missouri), and she is one of Kansas City's top real estate producers. Last year she was the top-ranked solo agent by sales volume at her old brokerage. And since 2016, she has sold more than 220 homes valued at nearly $60M in sales volume. If you have questions about buying or selling a home in this higher interest rate environment and you're not sure where to start, I think you're going to get a lot of value out of our conversation. I hope you enjoy this episode of The Atomic Retirement podcast!
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24. What You Can Learn from Your 1099 Forms Mar 07, 2023

Tax season is upon us, and you have probably received your fair share of important tax documents in the mail (or email inbox). Chances are your W-2 is not the only tax form you'll need to complete your income tax return because you likely received at least one or more 1099 forms too. Your 1099 forms report various types of income from the previous year. And that's why we must pay attention to them as we prepare and get organized for this tax season. Today we're talking about what you can learn from your 1099 forms. I hope you enjoy this episode of The Atomic Retirement podcast!

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23. Warren Buffett and 80 Years of Investing Wisdom Feb 28, 2023

Warren Buffett's annual shareholder letter to owners of Berkshire Hathaway stock is out. Today we'll walk through it together, and I'll point out my top takeaways. After all, the letter contains wisdom from someone with 80 years of investing experience, which Buffett points out is roughly one-third of America's lifetime! I hope you enjoy this episode of The Atomic Retirement podcast!

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22. Average 401(k) Balances Dropped 20% in 2022 Feb 21, 2023

2022 was a terrible, horrible, no good, very bad year for stock and bond markets. It seemed like everything went down in value, everything except inflation and mortgage rates which reached 40-year highs and 20-year highs, respectively. In short, 2022 was an emotionally draining year for many retirement investors and that means most panicked and yanked money out of their 401(k)s, right? No so fast. Today we're discussing what folks have been up to with their employer retirement accounts. I hope you enjoy this episode of The Atomic Retirement podcast!

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21. Fixing Social Security: 7 Changes Americans Are Willing to Make Nov 16, 2022

Social Security may only be able to pay 80% of its promised benefits starting in 2035 if Congress does not address a projected shortfall. Today we're talking about 7 changes Americans say they are willing to make to fix Social Security. I hope you enjoy this episode of The Atomic Retirement podcast!

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20. Tax Secrets of Health Savings Accounts Oct 12, 2022

Healthcare is not cheap and, aside from taxes, might be your most costly retirement expense. Did you know there's a tax-advantaged savings account to help with your healthcare costs? Health Savings Accounts came about in 2003, and many people are unfamiliar with their benefits and tax secrets. That's our topic on this episode of The Atomic Retirement podcast!

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19. Navigating the Medicare Maze with Danielle Roberts Oct 04, 2022

Today we're talking all things Medicare with Danielle Roberts. Danielle is a Medicare expert and the co-founder of Boomer Benefits, an insurance agency helping people across the country understand Medicare and their insurance options. She's also the author of 10 Costly Medicare Mistakes You Can't Afford To Make. If you have Medicare questions and you're not sure where to start, I think you'll get a lot of value from our conversation on this episode of The Atomic Retirement podcast!
Medicare Open Enrollment 2023 starts October 15, 2022 and runs until December 7, 2022.
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18. Is It a Bad Time to Retire? Sep 27, 2022

With stock and bond markets down double-digits year-to-date, and inflation at 40-year highs, is it a bad time to retire? Should I delay retirement? That's our topic on this episode of The Atomic Retirement podcast!

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17. How Much is Enough Money for Retirement? Aug 31, 2022

How much money do I need to stop working, be financially independent, and retire? Do I need a half-a-million dollars, a million, two million, or something else? That's our topic on this episode of The Atomic Retirement podcast!

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16. Is the U.S. in a Recession? Aug 02, 2022

Is the US in a recession? That's our topic on this episode of The Atomic Retirement podcast!

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15. The 15 Lies (and Omissions) Insurance Salespeople Tell About Indexed Universal Life (IUL) Insurance Policies Jul 26, 2022

Today we are talking about the 15 lies and omissions that insurance salespeople tell about Indexed Universal Life (IUL) Insurance Policies. I hope you enjoy this episode of The Atomic Retirement podcast!

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14. Ten Social Security Myths That Refuse to Die Jun 14, 2022

Today we are talking about 10 Social Security myths and misconceptions that refuse to die. I hope you enjoy this episode of The Atomic Retirement podcast!

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13. Estate Planning and Probate Court with Samara Nazir, J.D. Jun 06, 2022

Today I'm joined by Samara Nazir, J.D. Samara is an estate planning attorney at Parman & Easterday in Overland Park, Kansas. Samara is licensed to practice law in both Kansas and Missouri, and her practice areas include estate planning and probate administration. If you have questions about your own estate plan, what it looks like to work with an estate planning attorney, what documents you need, when your documents should be updated, how probate works, and costly mistakes to avoid, I think you're going to get a lot out of our conversation on this episode of The Atomic Retirement Podcast.

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12. Don't Fear Stock Market Volatility When It Inevitably Comes with Nick Maggiulli May 23, 2022

Today I'm joined by Nick Maggiulli. Nick is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management in New York City. He has an economics degree from Stanford University and he writes a weekly blog called Of Dollars And Data, where he focuses on the intersection of data and personal finance. Nick is also the author of a new book called Just Keep Buying - Proven Ways to Save Money and Build Your Wealth. I hope you enjoy this episode of The Atomic Retirement Podcast.

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11. Insurance Made Simple with Broc Buckles May 16, 2022

Today we are talking about all things insurance and I'm joined by Broc Buckles. Broc is the co-founder of BC Brokerage, an independent insurance brokerage that focuses on serving the families of fee-only financial planners, like Atomic Planning. Broc and his co-founder, Peter, help families across the country accomplish their insurance needs, and get the correct life, disability, long-term care, and annuity coverage required to safeguard their financial goals. They also review insurance policies already in place, and help me understand the current insurance market and whether a policy is still the best fit for the changes needs of the people I serve. What I love most about the movement they've started is they always put their client's interests first and lead with education, not products. They refuse to upsell and push insurance policies that people just don't need. If you have questions about life insurance, disability insurance, long-term care insurance or annuities, I think you're going to get a lot of value out of our conversation. I hope you enjoy this episode of The Atomic Retirement Podcast.

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10. How Proactive Tax Planning Can Rescue Your Retirement May 10, 2022

Today we are talking about proactive tax planning and how it may be able to rescue your retirement and defuse a retirement tax bomb. I hope you enjoy this episode of The Atomic Retirement Podcast!

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9. Sixty-Seven Percent of Americans Do Not Have an Estate Plan with Andres Mazabel Apr 25, 2022

According to a recent survey from caring.com, 67% of Americans do not have estate planning documents. That's why I'm joined by Andres Mazabel of Trust & Will on this episode of The Atomic Retirement Podcast.

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8. Is Social Security the Best Annuity for Your Money? Apr 18, 2022

Is Social Security the Best Annuity for Your Money? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

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7. Should I Buy an Annuity for Retirement Income? Apr 04, 2022

Should I buy an annuity for retirement income? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

Questions you can ask to learn more about an annuity

How are you compensated?
What is the commission paid to you if I purchase this annuity versus another annuity?
What is the insurance company’s financial strength?
What happens to my annuity if the insurance company goes bankrupt?
What fees should I expect to pay on an annual basis?
Is this annuity fixed, variable or indexed?
What is the current interest rate?
Is the interest rate fixed for the entire term of the annuity?
Can the interest rate decrease?
What is the participation rate?
Is there a rate cap?
Is my principal and interest guaranteed?
What is the surrender period and surrender charges?
How much money can I withdraw per year without a penalty?
What are my options at the end of the annuity term or when it matures?
Will I be forced to take income from the annuity to realize the full value?
How will my withdrawals be taxed?
Can I be forced out of the annuity at a certain age?
What happens to my money when I die?

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6. What are Required Minimum Distributions (RMDs)? Mar 28, 2022

What are Required Minimum Distributions (RMDs)? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

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5. Why the 60/40 Portfolio is (Probably) Wrong For You Mar 25, 2022

Why is the 60/40 portfolio (probably) wrong for you? How do I think about asset allocation? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

Resources Mentioned

Historical Returns on Stocks, Bonds and Bills 1928-2021

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4. The Report Mutual Funds Don't Want You to Read Mar 21, 2022

What's the report mutual funds don't want you to read? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

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3. The Value of Good Financial Advice (According to Vanguard) Mar 19, 2022

What's the value of good financial advice (after fees)? That's what I'm talking about in this episode of The Atomic Retirement Podcast.

Resources Mentioned

Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha

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2. What Does Atomic Planning Mean? Mar 19, 2022

What does Atomic Planning mean? That's what I'm talking about during this second episode of The Atomic Retirement Podcast.

Resources Mentioned

Atomic Habits by James Clear

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1. My Story & Why I Launched Atomic Planning Mar 18, 2022

Who am I and why did I launch Atomic Planning, an independent, veteran-owned 🇺🇸 fee-only, financial planning practice? That's what I'm talking about on this very first episode of The Atomic Retirement Podcast.

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