America's Retirement Headquarters: Recent Episodes
Nolan Baker
Nolan Baker and Scott Kerschner know that retirement investing is inherently different from pre-retirement investing. It's all about preserving your life's work and collecting income. Join them as they discuss strategies to make your retirement dreams into retirement reality.
Learn more about America's Retirement Headquarters online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.
What if the biggest retirement risks aren’t market crashes, but the decisions you make just before retirement?
Financial advisor Nolan Baker explains why the five years leading up to retirement can be critical for protecting your nest egg. He discusses sequence of returns risk, when target-date funds may need a second look, how annuities can fit into an income strategy, and why a coordinated retirement plan matters. The conversation also explores Social Security timing, using savings to bridge income gaps, healthcare and tax considerations, and ways to create a smoother, more predictable retirement journey without relying on guesswork.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
See omnystudio.com/listener for privacy information.
Could an unexpected layoff force you into retirement years earlier than planned, and what would you do next?
Nolan Baker explores the critical financial decisions that come with an early retirement, including Social Security timing, healthcare coverage, and avoiding costly mistakes with retirement accounts. He also breaks down how a Backdoor Roth IRA works, the tax traps that can surprise high earners, why more advisors are turning to annuities for income protection, and the dangers of relying solely on a buy-and-hold investment strategy in retirement. Learn practical ways to coordinate income, taxes, investments, and risk as you build a more resilient retirement plan.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
A seven-figure nest egg may look retirement-ready, but what if the real risks are hidden beneath the surface?
This episode explores why a written retirement plan matters more than a portfolio balance alone. Nolan Baker discusses turning savings into reliable retirement income, avoiding concentration risk in tech, heavy portfolios, and building a “Plan B” for market volatility. The conversation also covers long-term care planning, protecting assets and family legacies from healthcare costs, and strategies to manage taxes throughout retirement. From Social Security decisions to Roth conversions and asset protection, learn how coordinating the pieces of a retirement plan can help create greater confidence and flexibility in the years ahead
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
How much time are you trading for “just one more year”?
This episode unpacks the real cost of delaying retirement, where people often underestimate expenses, and why clarity, not savings, may be the missing piece. Nolan Baker explores the emotional and financial side of retirement timing, from protecting your “go-go years” to building income plans that account for healthcare, taxes, and market risk. He also breaks down the three phases of retirement, common planning gaps, and why coordinated strategies matter. Plus, a candid look at estate conversations, and what happens when they’re avoided.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
What if your “set it and forget it” retirement plan is quietly turning into a financial ticking time bomb?
This episode breaks down why taxes can remain one of your largest expenses in retirement and how deferring them may actually increase your burden. You’ll hear why autopilot investing can create hidden risks, especially as retirement approaches, and how portfolio drift can leave you overexposed without realizing it. The conversation also explores market uncertainty, income planning gaps, and the importance of reliable income streams to cover essentials. From tax strategies to portfolio adjustments, this episode highlights how coordination, not guesswork—shapes a more stable retirement path.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
The wrong Social Security decision could quietly cost more than your portfolio ever earns.
This episode breaks down when to claim benefits, why timing matters, and how taxes, spousal coordination, and healthcare costs shape your retirement income. You’ll also hear a practical five-step checklist to calculate what you actually need, without relying on guesswork, and uncover the most common retirement mistakes that derail otherwise solid plans. From income gaps to withdrawal strategies and hidden tax traps, this discussion focuses on building a coordinated approach that aligns income, risk, and long-term needs so your retirement plan works as intended.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
Think a million dollars solves retirement worries?
Think again. This episode breaks down the top seven concerns keeping even high net worth savers up at night, from market volatility and inflation to healthcare costs, debt, and rising housing expenses. The conversation explores how planning, not just wealth, plays a central role in navigating uncertainty, including strategies for managing risk, preparing for unexpected life events, and maintaining income stability. You’ll also hear how overlooked tax details, like after tax IRA contributions, can create costly surprises, and why a “spring cleaning” approach to your portfolio may uncover hidden inefficiencies. It’s a practical look at aligning your financial pieces into a clearer, more intentional retirement strategy.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
Do you really need a million dollars to retire, or is that number misleading you?
This episode explores why focusing on income, not account balance, reshapes retirement planning. The conversation breaks down how to build reliable monthly cash flow, uncover hidden investment fees that can quietly erode savings, and recognize key red flags when choosing a financial advisor. It also looks at how interest rate changes impact retirement income strategies and the risks of chasing yield in uncertain markets. With practical insights on structuring income, managing risk, and evaluating costs, this discussion highlights what matters most when turning savings into a sustainable retirement plan.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
What if one simple decision in your early 60s could quietly cost you tens, or even hundreds, of thousands in retirement income?
This episode breaks down how Social Security timing, tax strategy, and income planning can shape your financial future more than your account balance alone. The conversation explores common claiming mistakes, why “magic numbers” can mislead retirees, and how to calculate what you actually need. You’ll also hear a five-step retirement clarity checklist and the hidden risks that can derail even well, funded plans, from taxes to healthcare and beyond. It’s a closer look at how different pieces of retirement planning connect and why treating them separately can create costly gaps.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
The idea that you need a million dollars to retire comfortably might be one of the most misunderstood headlines in personal finance. In this episode, the conversation shifts away from chasing a big number and toward understanding income, cash flow, and how retirement actually works day to day. The discussion breaks down why most retirees succeed with far less than they expect, how small investment fees can quietly erode savings, and what happens to income when interest rates change. You’ll also hear how to think differently about Social Security, portfolio structure, and the difference between being sold products versus receiving guidance. The focus is on clarity, perspective, and building confidence around retirement income decisions.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
Retirement rarely follows a straight line, and the biggest threats often arrive without warning. This episode explores common retirement disruptions, including health changes, loss of a spouse, market volatility, and rising healthcare costs. The conversation breaks down why planning for a single, best-case scenario can leave gaps and how stress testing different possibilities can reveal blind spots. The hosts also examine alternatives to traditional long‑term care insurance, the trade‑offs of hybrid solutions, and what the NFL Draft can teach us about avoiding small decisions that create long‑term consequences. It’s a wide-ranging discussion focused on preparing for change and understanding how retirement plans need to adapt as life evolves.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
The biggest mistake retirees make often happens after the taxes are filed, and that’s just the beginning of this conversation. In this episode, the team breaks down why filing your return isn’t the finish line, how today’s high interest, rate environment is reshaping retirement income decisions, and what it really takes to spend with confidence once the paychecks stop. You’ll hear insights on building reliable income years before retirement, navigating market volatility without guessing, avoiding common Medicare and tax traps, and why having a flexible spending system matters more than sticking to rigid rules. It’s a wide-ranging discussion focused on turning complexity into clarity.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if the biggest risk to retirement isn’t the market, but the decisions made right before leaving work? This episode breaks down why the five years leading up to retirement can quietly shape decades of income, taxes, and healthcare costs. Nolan Baker and Scott Kerschner walk through key planning topics, including identifying income gaps, Social Security timing, managing taxes across different accounts, and protecting against early market downturns. The conversation also covers Medicare enrollment pitfalls, lifelong penalties, and why a written retirement income strategy brings clarity to an otherwise complex transition. A practical discussion for anyone approaching retirement and trying to make sense of how the pieces fit together.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What does retirement actually cost you, and do you know the number, or just a guess? In this episode of America’s Retirement Headquarters, the conversation starts with a simple but often overlooked step: defining real retirement expenses. The show walks through a practical framework for separating essentials from lifestyle spending, creating clarity around monthly income needs, and turning vague assumptions into something concrete. From understanding income gaps to thinking differently about Social Security timing and dependable income sources, this discussion focuses on building awareness around how paychecks replace paychecks in retirement, one decision at a time.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Bond decisions made today can feel simple—until interest rates move and retirement income questions get complicated.
The rules that worked while saving for retirement don’t always apply once withdrawals begin. This episode of How to Retire explores how investing strategies can shift in retirement, why early market losses matter more than many realize, and how emotions like fear and greed influence financial decisions. The conversation also covers bonds in a changing interest-rate environment, planning for unexpected retirement “shocks,” and practical ways retirees can think about income, risk, and flexibility. Along the way, the discussion highlights how structure and discipline can play a role in navigating volatility, protecting lifestyle choices, and adapting plans as conditions change.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Market swings don’t just impact your portfolio; they can impact your retirement timeline.
In this episode, Nolan Baker explains why understanding your personal retirement risk matters more than reacting to short-term market headlines. He walks through how market downturns can affect income plans and long-term sustainability, especially for those nearing or in retirement. Nolan also outlines commonly discussed strategies like the two-bucket approach and a trend guard system, explaining how they’re designed to help manage volatility, timing risk, and cash-flow needs. The conversation focuses on building awareness around how different tools and approaches are used to address market uncertainty, rather than predicting outcomes. This episode is designed to help listeners better understand how risk shows up in retirement planning and why having a thoughtful, structured strategy can matter when markets don’t cooperate.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if tax season is the moment you discover your retirement plan deserves a closer look?
As filing deadlines approach, many people focus on paperwork while overlooking how taxes may quietly shape their retirement income year after year. In this episode, Nolan Baker explores why taxes shouldn’t be treated as a once-a-year task, but as an ongoing conversation within a broader retirement strategy. Drawing from a real-life experience of discovering significant overpayments, the discussion highlights how gaps in coordination between tax professionals and financial planners can lead to missed opportunities for clarity and planning. If your tax conversations feel reactive, or stop once the return is filed, this episode raises important questions about proactive planning, professional collaboration, and understanding how today’s tax decisions can influence tomorrow’s retirement picture.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Bond decisions made today can feel simple—until interest rates move and retirement income questions get complicated.
Many retirees and near-retirees are taking a closer look at how bonds fit into their overall strategy. In this episode, Nolan Baker breaks down five practical considerations for evaluating bonds, including how interest rates influence prices, why duration matters, and the differences between Treasuries, corporate bonds, and municipal bonds. The Nolan also explores how Federal Reserve policy can ripple through the bond market and why diversification and credit quality often matter more than chasing yield. Listeners will hear about common missteps, such as overlooking fees or ignoring rate trends- and how portfolio adjustments may be considered as market conditions change. If bonds play a role in your retirement picture, this discussion offers helpful context for thinking through how they’re used and why structure matters.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement confidence often rests on assumptions, but what if some of them don’t hold up? In this episode, Dave Ross and Scott Kerschner unpack the realities behind retirement planning, challenging common beliefs that can quietly shape long-term decisions. The conversation explores how income planning, healthcare considerations, and timing decisions intersect as people approach retirement. The panel also discusses why many retirees underestimate healthcare costs and overestimate certainty, and how flexibility can help navigate life’s transitions. Rather than focusing on predictions, the episode highlights practical considerations and thoughtful questions retirees may want to address as they shape their plans. Whether you’re years away from retirement or already thinking about next steps, this discussion offers perspective on building a strategy designed to adapt as circumstances change.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if the biggest risk to your retirement isn’t the market, but the assumptions you’re making right now? In this episode of the How to Retire Radio Show, American Retirement Headquarters digs into the real mechanics of retirement planning, starting with how much monthly income retirement actually requires. They break down the three phases of retirement spending and why income needs often change over time, not all at once. The conversation also tackles the financial trade‑offs of delaying retirement, along with common misunderstandings around Social Security and the widely referenced 4% rule. Throughout the episode, the hosts emphasize why relying on rules of thumb can leave gaps and how a comprehensive, written financial plan helps bring clarity and structure to retirement decisions. This discussion is designed to challenge conventional thinking and encourage a more deliberate approach to planning the years.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement rarely unravels all at once; it’s the quiet surprises that do the most damage. In this episode, Nolan Baker of ARHQ explores the often-overlooked expenses that can strain retirement plans and why guessing at a savings target can leave little room for error. The discussion breaks down the role of dependable income in retirement, not just for covering the basics, but for maintaining flexibility when life doesn’t follow the plan. Attention is also given to tax planning and how different tax treatments can shape long-term outcomes. The episode rounds out with a look at healthcare decisions, including navigating options under the Affordable Care Act, and how those choices intersect with income and taxes. Together, these topics paint a clearer picture of the moving parts retirees must balance as they prepare for the next chapter.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement isn’t just about saving, it’s about turning what you’ve built into income that lasts. In this episode, Nolan Baker, the President of America's Retirement Headquarters, unpacks the core strategies retirees face as they move from accumulation to distribution, with a clear focus on dependable income, market behavior, and real-world planning considerations. The conversation explores different income sources retirees may rely on, how market movement can affect those strategies, and why managing risk matters throughout retirement. The hosts also address an often-overlooked reality: planning for long-term care and caregiving, and how those conversations fit into a broader retirement plan. Along the way, they highlight educational opportunities and upcoming events designed to help listeners better understand these issues. This discussion centers on practical awareness, informed decision-making, and the importance of having a plan that adapts as life changes.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement rarely unravels because of one big mistake; it’s the overlooked details that do the damage. The team at America's Retirement Headquarters takes a clear-eyed look at the real-world factors that complicate retirement planning, from unexpected expenses that strain budgets to the challenge of knowing how much is truly enough to save. The discussion explores why dependable income matters more than account balances, how tax planning shapes long-term outcomes, and what changing healthcare options, especially within the ACA marketplace, mean for retirees today. Throughout the episode, the focus remains on taking a comprehensive view of retirement planning, one that accounts for uncertainty, shifting costs, and the need for financial resilience. Rather than treating retirement as a finish line, this conversation frames it as an ongoing strategy that requires preparation, flexibility, and informed decision-making.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if the biggest retirement challenge in 2026 isn’t the market, but how you prepare for it?
In this episode, Nolan Baker breaks down key strategies for navigating the shifting retirement landscape, focusing on ways to separate everyday lifestyle needs from market swings. Nolan will explore how risk management, healthcare considerations, and long‑term care planning shape a more durable approach to your later years. The conversation also highlights why tax awareness and thoughtful income planning matter as retirees face new rules, rising costs, and evolving financial pressures. It’s a grounded discussion designed to help listeners think clearly about the realities—and the opportunities- of retirement in 2026.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if the financial landscape of 2026 looks very different from what most retirees expect?
In this episode, President and retirement specialist Nolan Baker explores the shifting market environment facing retirees today. They break down key risks and potential openings in a volatile stock market and explain why separating lifestyle income from market exposure can help bring clarity to long‑term planning. Nolan walks through a practical seven‑step framework designed to organize income sources, prepare for downturns, and build a dependable strategy for covering essential expenses. The conversation also highlights often-overlooked factors, tax strategy, healthcare costs, and long-term care considerations- that can significantly reshape a retirement plan. The episode equips listeners with information and resources to stay proactive as they approach 2026.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Hidden Risks Could Derail Your Retirement. Are You Prepared?
In this episode, Nolan Baker uncovers the silent threats that can jeopardize financial security for retirees in 2026. We explore why relying solely on market performance for income can leave you vulnerable and how a structured income plan creates stability. You’ll also learn why proactive tax planning matters more than ever, given recent legislative changes, and how strategic adjustments can protect your wealth. Tune in for practical insights that help you navigate uncertainty and build confidence in your retirement journey.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if your dream retirement could unravel because of hidden pitfalls?
In this episode, Nolan Baker explores the realities behind retirement planning, beyond just numbers. We dive into the emotional transitions, financial choices, and risk factors that shape life after work. From overspending habits to the challenge of finding structure, discover why a coordinated approach matters. Learn how aligning financial strategies with emotional well-being can help create a retirement that feels secure and fulfilling, without relying on promises, just practical insights.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalised retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Confused about Medicare? You’re not alone.
In this episode of How to Retire, hosts Nolan Baker and Scott Kirchner break down the complexities of Medicare, from enrollment challenges to pitfalls in prescription drug coverage. They explore how recent changes, including the Affordable Care Act’s impact on health care subsidies, are reshaping decisions for retirees. With real-world examples and practical insights, the conversation reveals why understanding these complexities matters for your financial and health security. Tune in for a clear-eyed look at what’s behind the headlines and what it means for your retirement planning.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalised retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Think Social Security will cover your retirement? Think again.
In this episode, we explore the tough realities of relying on government benefits and why establishing a dependable income stream is more crucial than ever. You’ll learn practical strategies for managing taxes, investments, and long-term care, without falling into common traps. Retirement isn’t just about saving; it’s about planning for the unexpected and making informed choices that protect your financial future. Tune in for insights that help you take control of your retirement reality.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalised retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if the years just before retirement could make or break your financial future?
In this episode, Nolan Baker dives into why the three-to-five-year window leading up to retirement is the most critical time for planning. Discover strategies to align income streams, optimise taxes, and prepare for healthcare costs, all while safeguarding your investments against market volatility. Our conversation explores how a coordinated approach can help you transition smoothly into retirement with confidence and clarity. Whether you’re nearing retirement or advising someone who is, this discussion offers practical insights to strengthen your financial foundation.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalised retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Are you afraid to spend your own money in retirement?”
This episode of How to Retire Radio Show tackles a common but rarely discussed challenge: spendophobia, the fear of using your hard-earned savings. The hosts reveal why this mindset can derail your retirement and share practical strategies to shift from saving to enjoying what you’ve built. You’ll learn how to create a reliable income stream, navigate tax implications, and avoid costly mistakes like draining accounts to pay off debt. Plus, a heartfelt reminder to focus on what truly matters, family and friends, during the holiday season.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if your retirement income isn’t enough to keep up with your dreams—or inflation?
In this episode, we explore why reliable income is more than just covering the basics. It’s about creating a financial foundation that supports the lifestyle you’ve worked hard for. From planning for rising costs to ensuring peace of mind, we break down strategies that help retirees enjoy their golden years without financial stress. Tune in for practical insights on building income that lasts and keeps pace with life’s changes.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Ever wondered how shifting market conditions and new retirement rules could impact your future? This episode unpacks the essentials of retirement planning, from Required Minimum Distributions and annuities to changes in 401(k) contributions and Social Security strategies. We explore why building multiple income streams is important and how to optimize benefits for long-term financial security. Additionally, we tackle a hot debate: Can AI tools rival human financial advisors when it comes to navigating complex retirement decisions? Tune in for insights that help you think smarter about your financial future.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Think you're diversified? Think again.
This episode, Nolan Baker exposes a hidden threat to your retirement portfolio—portfolio overlap. Discover how owning multiple funds might not protect you when the market dips, and why retirees could face higher taxes than expected. Nolan breaks down the illusion of diversification, the dangers of amplified volatility, and the tax traps that come with RMDs, Social Security, and Medicare surcharges. Plus, learn how to build reliable retirement income through strategies like annuities, bond ladders, and dividend portfolios. If you're nearing retirement or already there, this episode helps you look under the hood of your investments and rethink what “safe” really means.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Think you’ve got Medicare figured out? Think again.
In this episode, Scott Kirchner unpacks the often-overlooked complexities of Medicare that trip up even the most prepared seniors. From enrollment periods and the differences between Medicare parts to the hidden costs of late enrollment, Scott clears the fog around this essential topic. He also dives into lesser-known considerations, like how HSAs and VA benefits can impact your Medicare decisions. The episode wraps with details on an upcoming educational workshop designed to help listeners stay informed about the latest Medicare updates and make more confident choices.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Is your retirement plan more complicated than it needs to be?
In this episode of How to Retire Radio, Nolan Baker and the team from America's Retirement Headquarters unpack the tangled web of retirement planning and show how simplicity can be a powerful strategy. From consolidating accounts to automating your financial life, they explore practical ways to reduce friction and increase clarity. The conversation also dives into alternative investments, what to consider, what to question, and why long-term tax planning is often overlooked but essential. Whether you're just starting to think about retirement or refining your existing plan, this episode offers grounded insights to help you make smarter, more confident decisions.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What happens when teachers face retirement with plans that don’t match the promises?
This episode, Nolan Baker and the team at America's Retirement Headquarters explore the unique financial challenges educators encounter as they approach retirement. From navigating the complexities of pension plans and recent shifts in Social Security to understanding healthcare costs and cost-of-living adjustments, the conversation highlights the critical factors that can impact a teacher’s financial future. The discussion also touches on the importance of strategic planning—especially around investments and taxes—to help educators make informed decisions tailored to their retirement realities.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Is your retirement plan built on shaky assumptions?
In this episode, Nolan Baker, the President & CEO of ARHQ, and Scott Kerschner, the director of America's Medicare Associates,dive into the overlooked pitfalls of Roth IRA conversions, the evolving role of bonds in retirement portfolios, and the looming uncertainty around Social Security. The hosts unpack common missteps in Roth strategies that could trigger unexpected tax burdens, explore how bonds have historically anchored retirement income, and stress the urgency of preparing for potential Social Security cuts. With a focus on strategic foresight and collaboration with financial advisors, this conversation offers a grounded look at navigating retirement’s most pressing challenges.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if Medicare’s biggest changes this year aren’t the ones you expect?
In this episode, Scott Kerschner unpacks the evolving Medicare landscape during the Annual Enrollment Period (Oct 15–Dec 7). From premium adjustments and Medigap policy shifts to the unexpected role of AI in streamlining processes, we explore what’s changing and why it matters. The Inflation Reduction Act’s ripple effects also come into focus, revealing how legislation is reshaping coverage and costs. Whether you're a beneficiary or an advisor, this episode offers a grounded look at how to stay informed and responsive in a shifting system, without the hype.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Is your retirement strategy built to weather market storms and tax surprises?
In this episode, Nolan Baker breaks down the critical elements of retirement planning—from personalized withdrawal strategies to the hidden risks of the 4% rule. You’ll hear why tax loss harvesting can be a game-changer and how September’s market history might influence your next move. With retirement on the horizon, understanding how to protect your portfolio becomes more urgent than ever. Whether you're already retired or planning, this conversation offers grounded insights to help you think smarter about your financial future.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
This episode from America’s Retirement Headquarters reframes retirement not as a static endpoint but as a continuously evolving chapter. Nolan Baker, President and CEO of ARHQ, emphasizes:
- Retirement Readiness: It’s not just about hitting a number—it’s about understanding your expenses, income sources, and risks like healthcare and market volatility.
- Proactive Tax Planning: Nolan discusses how retirees can shift assets into tax-free buckets to extend the longevity of their savings.
- Smart Investment Adjustments: The episode highlights the importance of adapting investment strategies post-retirement to preserve wealth and generate income.
- Resilience and Empowerment: With pensions shrinking and lifespans increasing, retirees are encouraged to embrace technology, rethink outdated strategies, and build a financial life aligned with their values.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
This conversation with Nolan Baker focuses on the essential aspects of retirement planning, emphasizing the importance of understanding tax implications, creating reliable income streams, and the role of Social Security. The discussion highlights various strategies to minimize taxes and ensure a stable financial future for retirees. It encourages proactive planning and regular consultations with financial professionals to optimize retirement income and tax efficiency.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
In this conversation, Scott Kirchner discusses the intricacies of Medicare, addressing common questions and misconceptions that seniors often have. He emphasizes the importance of understanding enrollment periods, the differences between Medicare parts, and the potential penalties for late enrollment. Additionally, he highlights overlooked questions that seniors should consider, such as the impact of HSAs and VA benefits on Medicare enrollment. The conversation concludes with details about an upcoming educational workshop aimed at providing further insights into Medicare benefits and changes.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if your retirement plan is built on shaky ground? In this episode, Nolan Baker, President and CEO of ARHQ, reveals overlooked threats that could quietly sabotage your financial future. From the ripple effects of unchecked government spending to the subtle warning signs in financial advisors, Nolan breaks down the risks that often go unnoticed. He also explores how family dynamics can complicate legacy planning and why an “all-weather portfolio” might be your best defense against market volatility. Whether you’re nearing retirement or already there, this conversation offers a clear-eyed look at what it takes to protect your income for your future.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if your retirement success hinges on a few overlooked financial moves?
This episode unpacks the critical elements of retirement planning—from the power of index funds to the hidden risks of withdrawal timing. We explore how risk tolerance, debt elimination, and tax strategy can shape your financial future. Whether you're years away from retirement or already planning your exit, this conversation offers practical insights to help you navigate the complexities of long-term financial security—without the fluff or false promises.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What if your retirement strategy is built on outdated assumptions? In this episode, Nolan Baker unpacks the evolving landscape of retirement planning—from the mechanics of multi-year guaranteed annuities to the ripple effects of rising interest rates. The conversation explores how to realistically evaluate withdrawal rates, why stock-picking rules still matter, and how financial stability plays a bigger role than ever. We also challenge common myths about retirement income strategies and highlight current trends in annuities that could reshape your long-term planning.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Think you can outsmart the market? Think again. In this episode, Nolan Baker breaks down why professional tax planning is essential for a secure retirement—and why trying to time the market could sabotage your future. He explores how emotional decisions often lead to financial missteps and explains how proactive tax strategies can protect your nest egg. With real-world insights and cautionary advice, this conversation is a must-listen for anyone serious about retirement planning.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What do rising interest rates mean for your retirement income? Nolan Baker the President and CEO of America's Retirement Headquarters, explores how annuities respond to shifting rates and why building a reliable income floor is more critical than ever. Our guests break down the strategy of segmenting investments into purpose-driven buckets and highlight the importance of planning for healthcare and taxes. Whether you're nearing retirement or advising others, this conversation offers a structured approach to navigating today’s financial landscape with clarity and foresight.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Retirement isn’t just a date—it’s a strategy. In this must-listen episode, Nolan Baker, the President and CEO of ARHQ, exposes the hidden risks that could derail your financial future. Learn how unchecked government spending could impact your nest egg, why spotting red flags in financial advisors is critical, and how to avoid costly family conflicts through smart legacy planning. Discover the power of an “all-weather portfolio” built to thrive in any market—so your income stays steady no matter what. Whether you're five years out or already retired, this episode delivers urgent, actionable insights to help you retire with confidence, clarity, and control. Don’t leave your future to chance—press play now.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
In this episode of America's Retirement Headquarters, we expose the hidden traps that could derail your retirement dreams. From overlooked tax strategies to the real cost of voluntary taxation, we break down what you need to know—now. Learn how media noise can sabotage your financial future and why proactive tax planning isn’t optional—it’s essential. If you're nearing retirement or just starting to plan, this episode delivers critical insights, expert guidance, and actionable steps to protect your income and outsmart the system. Don’t wait until it’s too late—your retirement security depends on it.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Are you ready to retire? Discover the critical truths about retirement planning with Nolan Baker. Learn how to avoid costly mistakes, master income withdrawal strategies, and uncover hidden risks that could derail your future. From taxes to healthcare to the power of a retirement coach, this episode is your fast track to financial confidence. Don’t just save—strategize. Your retirement clock is ticking—download now and take control of your financial future!
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing a single location for all your retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
What do Ticketmaster fees and your retirement account have in common? More than you think. In this episode of America’s Retirement Headquarters, Nolan Baker breaks down the hidden costs that could be quietly draining your retirement savings. From 401(k)s to annuities, we explore how even a 1% fee difference can cost you tens of thousands over time. Learn how to uncover these fees, compare them to industry benchmarks, and make smarter decisions to stretch your retirement dollars further—no matter where you live.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
Is claiming Social Security early a smart move—or a $185,000 mistake? In this episode, we unpack the real cost of rushing into retirement benefits, explore why some grandparents are skipping their kids in favor of grandkids, and break down the key milestone ages that shape your retirement journey. Plus, find out why mid-year is the perfect time to rebalance your portfolio and stress-test your financial plan.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so that you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today!
This episode, Nolan Baker reframes retirement not as a static milestone but as a dynamic, evolving chapter of life—one that requires continual learning, flexibility, and empowerment. The conversation moves beyond numbers and dives into how retirees can take control of their future through proactive tax planning, smart investment adjustments, and resilience in the face of life’s curveballs. With pensions dwindling and lifespans stretching longer than ever, the hosts offer a fresh, modern take on retirement—equipping listeners to harness technology, rethink outdated strategies, and build a financial life that aligns with their vision and values.
About America's Retirement Headquarters:
We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind.
Visit Us: 1700 Woodlands Drive, Maumee, OH 43537
Call Us: 419-794-3030
Learn More: ARHQ.com
See omnystudio.com/listener for privacy information.
In this episode, Nolan Baker discusses strategies for balancing risk and security in retirement portfolios, emphasizing the importance of understanding investment rules, managing emotional reactions to market volatility, and being aware of hidden fees that can erode savings. They also highlight the significance of having a clear retirement plan and the need for regular reviews to adapt to changing circumstances.
Register for the upcoming Seminars with America's Retirement Headquarters at
ARHQ Events
Learn more about America's Retirement Headquarters and upcoming events online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.
See omnystudio.com/listener for privacy information.
In this episode of America's Retirement Headquarters, the President and CEO of ARHQ Nolan Baker discuss key concerns for retirees, including the impact of potential recessions, the importance of having a solid retirement plan, and strategies for managing retirement income. He emphasizes the need for individuals to focus on controllable factors in their retirement planning, such as savings and investment choices, while also addressing the emotional aspects of transitioning into retirement. The conversation provides insights into assessing whether this is the right time to retire and the importance of being prepared for market fluctuations and healthcare costs.
Register for the upcoming Seminars with America's Retirement Headquarters at
ARHQ Events
Learn more about America's Retirement Headquarters and upcoming events online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.
See omnystudio.com/listener for privacy information.
Nolan Baker delves into essential aspects of retirement planning, focusing on determining retirement readiness, effective income withdrawal strategies, and the importance of having a retirement coach. The discussion emphasizes that retirement is not solely about the amount saved but also about understanding expenses, income sources, and potential risks. Nolan provides insights into how to navigate the complexities of retirement income, including tax implications and healthcare considerations, while also highlighting the value of personalized support from a retirement coach.
Register for the upcoming Seminars with America's Retirement Headquarters at
ARHQ Events
Learn more about America's Retirement Headquarters and upcoming events online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.
See omnystudio.com/listener for privacy information.
This conversation focuses on Medicare enrollment with Scott Kerschner, Dan Trombley and Troy Kerschner, detailing the process, eligibility, and the various parts of Medicare. They discuss who can assist with enrollment, the differences between Medicare Parts A, B, C, and D, and the implications of long-term care coverage. The discussion emphasizes the importance of understanding Medicare to avoid penalties and ensure proper healthcare coverage in retirement.
Register for the upcoming Seminars with America's Retirement Headquarters at
ARHQ Events
Learn more about America's Retirement Headquarters and upcoming events online. Follow us on Facebook, YouTube and LinkedIn for even more helpful insights you can use for retirement.
See omnystudio.com/listener for privacy information.
This conversation with Nolan Baker delves into critical aspects of retirement planning, focusing on common mistakes retirees make regarding Social Security and taxes. It emphasizes the importance of strategic decision-making to maximize benefits and minimize tax liabilities. The discussion also covers effective management of 401k accounts and the potential pitfalls of retirement withdrawals, providing insights into creating a sustainable income strategy for retirees.
Register for the upcoming Seminars with America's Retirement Headquarters at
ARHQ Events
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This conversation with Nolan Baker and team from America's Retirement Headquarters focuses on retirement planning, emphasizing the importance of identifying dead retirement assets, understanding investment strategies during down markets, and avoiding emotional decision-making in investing. The discussion highlights the need for a strategic approach to retirement planning and the value of having a financial advisor to guide individuals through the complexities of retirement investments.
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This conversation Nolan Baker of America's Retirement Headquarters delves into the intricacies of retirement planning, focusing on the importance of having an advisor, measuring investment performance, understanding Roth conversions, and navigating the challenges of forced retirement. Nolan emphasizes the need for proactive financial strategies to ensure a secure and confident retirement.
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In this episode of America's Retirement Headquarters, Nolan Baker discusses critical topics related to retirement planning, including navigating changes in Medicare, strategies for managing investments during volatile markets, the implications of claiming Social Security early, and understanding the complexities of annuities. Nolan emphasizes the importance of having a clear strategy for retirement income and the potential benefits of turning market downturns into opportunities for growth. The conversation also highlights the need for calculated risk management in retirement planning.
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Nolan Baker and Chaz Price discuss various aspects of retirement planning, including the unique approach to income planning at America's Retirement Headquarters, the role of gold as a strategic investment, and the emerging trend of unretirement among seniors. They emphasize the importance of customized financial strategies tailored to individual needs and circumstances, contrasting this with more generic advice from popular financial gurus.
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In this episode, Nolan Baker discusses the current economic climate and its implications for retirement planning, focusing on Social Security, investment strategies, and the importance of understanding market trends. They emphasize the need for personalized financial advice and the potential impact of economic indicators on retirement decisions.
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In this episode of America's Retirement Headquarters, Nolan Baker and the team from ARHQ discuss various topics related to retirement planning, including how to choose the right Medicare plan, the implications of market volatility, and the complexities of federal employee buyouts. They also delve into the misunderstood nature of annuities and the importance of controlling emotions when investing. The conversation emphasizes the need for a solid retirement plan and the value of professional guidance in navigating these challenges.
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In this episode of America's Retirement Headquarters, the hosts discuss the importance of tax planning, understanding longevity risk, and strategies for optimizing retirement portfolios. They emphasize the need for proactive financial planning to ensure a secure retirement, especially as life expectancy increases. The conversation also highlights common pitfalls in retirement investing and offers solutions for capturing market gains while protecting against downturns.
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This conversation delves into essential aspects of retirement planning, Nolan Baker and the team at America's Retirement Headquarters focusing on the importance of having a solid estate plan, understanding probate, and strategies to avoid it. Nolan discusses the implications of interest rates on retirement savings and provide actionable advice for managing retirement income effectively. They emphasize the need for clear communication of estate plans to ensure smoother transitions for families during difficult times.
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This conversation Nolan Baker and the team at America's Retirement Headquarters delve into essential aspects of retirement planning, focusing on market trends, risk management, cost-cutting strategies, and methods to turn savings into income. The hosts emphasize the importance of understanding one's financial situation, being proactive in managing risks, and the need for a comprehensive retirement plan that goes beyond mere savings accounts.
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In this episode, Nolan Baker and the team at America's Retirement Headquarters discuss various aspects of retirement planning, including what to do with a 401k when changing jobs, the importance of being debt-free, evaluating investment fees, and the evolving landscape of retirement planning. They emphasize the need for careful planning, especially regarding healthcare and long-term care, and highlight the importance of understanding the costs associated with retirement investments.
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Nolan Baker discusses the importance of financial planning as we enter 2025, focusing on strategies for retirement savings, the current state of the bond market, and how to find the right financial advisor. They emphasize the need for a comprehensive retirement plan that includes tax planning, estate planning, and asset protection, while also addressing the evolving landscape of investment opportunities.
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Nolan Baker and the team at ARHQ delve into the complexities of retirement planning, focusing on the necessary financial preparations for retirement, the importance of understanding healthcare options, and the implications of recent legislative changes on Medicare. The hosts discuss the evolving landscape of retirement savings, the significance of having a diversified portfolio, and the necessity of planning for unexpected healthcare costs. They emphasize the importance of personalized retirement strategies and the need for ongoing evaluation of Medicare plans during the open enrollment period.
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Nolan Baker and the team at America's Retirement Headquarters delves into essential aspects of retirement planning, emphasizing the importance of insurance reviews, financial habits for success, and the need for comprehensive planning to ensure a secure retirement. The hosts discuss various strategies, including the significance of starting early with savings, the necessity of having clear financial goals, and the multifaceted role of insurance in retirement planning.
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Nolan Baker and the team at America' Retirement Headquarters provides a comprehensive overview of Medicare enrollment, Social Security taxation, strategies to reduce healthcare costs, and efficient charitable giving for retirees. The hosts emphasize the importance of understanding Medicare options, the impact of income on Social Security taxes, and proactive planning to minimize healthcare expenses. They also discuss the benefits of qualified charitable donations and estate planning to maximize contributions to charities while minimizing tax liabilities.
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Nolan Baker discusses the importance of financial planning as we enter 2025, focusing on strategies for retirement savings, the current state of the bond market, and how to find the right financial advisor. They emphasize the need for a comprehensive retirement plan that includes tax planning, estate planning, and asset protection, while also addressing the evolving landscape of investment opportunities.
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Nolan Baker discusses critical aspects of retirement planning, focusing on market investment strategies, tax implications, and the importance of family conversations about finances. They highlight Warren Buffett's insights on market risks and the necessity of understanding personal financial situations. The conversation also emphasizes proactive tax planning and the need for open discussions about estate planning and long-term care among family members.
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Nolan Baker and David Ross delve into the complexities of retirement planning, focusing on pensions, investment strategies, the viability of the 4% withdrawal rule, and the nuances of annuities. The speakers emphasize the importance of personalized financial advice and the need for a comprehensive retirement plan that considers various factors such as market volatility and individual circumstances.
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Nolan Baker discusses the importance of understanding hidden costs in retirement accounts, the impact of market volatility on investment strategies, and the considerations involved in choosing between pension options. He emphasizes the need for careful financial planning to minimize fees and maximize retirement income.
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Jeremy and Dave start the conversation focused on the rising costs of healthcare in retirement and the importance of planning for these expenses. It discusses Medicare options, long-term care, and the role of annuities in providing financial security. The speakers emphasize the need for comprehensive planning and understanding of various financial products to ensure a stable retirement income.
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Nolan Baker focuses on the rising costs of healthcare in retirement, the importance of understanding tax strategies to optimize retirement savings, and the complexities of annuities as a financial tool. Nolan emphasizes the need for comprehensive planning to navigate these challenges effectively, highlighting the role of independent advisors in providing tailored solutions for individuals approaching retirement.
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Jeremy Baker and Dave Ross delves into the intricacies of retirement planning, focusing on the importance of reliable income through annuities, the impact of market trends and interest rates, and the confidence levels of current retirees compared to those still planning for retirement. They emphasize the need for a comprehensive retirement strategy.
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This conversation delves into the complexities of retirement planning, focusing on the fears surrounding spending and income reliability. Nolan Baker & David Ross discuss the role of annuities, the importance of a comprehensive retirement plan, and strategies for managing market volatility. They emphasize the need for proactive risk management and the creation of a retirement team action plan to ensure financial security in retirement.
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Nolan Baker and the team America's Retirement Headquarters at discuss the implications of recent interest rate cuts by the Federal Reserve and how they affect retirement savers. They emphasize the importance of having a protective strategy in place for investment portfolios, especially in light of potential market fluctuations. The discussion also covers the benefits of selling a home during retirement, including accessing home equity and reducing maintenance costs. Finally, the hosts highlight the necessity of keeping retirement plans updated with modern technology and adapting to changing circumstances to ensure financial security in retirement.
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Nolan and Scott get you ready for open enrollment with a conversation that includes insights on navigating Medicare, understanding the gaps in coverage, and strategies to mitigate risks associated with Social Security cuts.
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Nolan Baker discusses various strategies for maximizing retirement savings and navigating the complexities of retirement planning. He emphasizes the need for a comprehensive retirement plan that includes stress testing and rebalancing investment portfolios to adapt to changing market conditions.
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Nolan Baker and Dave Ross discuss the crucial elements of retirement planning, with a special focus on the distinct challenges women face due to longevity. They highlight the necessity of clear communication between spouses to align financial objectives. Additionally, they address the development of an all-encompassing Retirement Team Action Plan, tactics for managing interest rates and fixed income prospects, and the importance of consistent tax loss harvesting as an annual strategy.
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Nolan Baker and Chaz Price discuss how to make an inheritance last longer and provide lasting impact. They emphasize the importance of creating a financial plan, considering tax implications, paying off high-interest debt, and avoiding lifestyle splurges. They also highlight the role of trust planning in protecting inherited assets and the benefits of thorough tax planning. The conversation delves into strategies such as Roth conversions, asset location, and tax-efficient withdrawal plans.
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The Retirement Guys Formula considers indicators like increasing unemployment and negative GDP growth to assess the likelihood of a recession. Their investment strategy prioritizes highly profitable companies with substantial cash reserves and products that have strong market demand.
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Nolan Baker emphasizes the significance of choosing a fiduciary advisor committed to the client's best interests. The discussion moves to portfolio diversification, underscoring the advantages and disadvantages, and the necessity for customization according to personal objectives and timelines. They conclude by addressing the drawbacks of daily stock price monitoring and the cruciality of concentrating on long-term objectives.
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Nolan Baker touches on the topic of annuities and why some financial advisors may not offer them. He will also explain the topic of fees and expenses in retirement portfolios, specifically focusing on the detection and impact of fees.
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Scott and Dave share how they can help small business owners with various aspects of their financial planning, including buy-sell agreements and life insurance. They can also assist with retirement planning, such as setting up 401(k) plans and creating income analysis. For small startup businesses, advisors can help establish investments and manage business expenses. The Inflation Reduction Act may impact Medicare Part D prescription drug coverage in 2025.
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Nolan Baker discusses the benefits of converting traditional IRAs to Roth IRAs and the need for a mid-year financial checkup and the importance of running a 'fire safety drill' to prepare for market downturns
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Scott and Connor highlight the importance of precise planning over guesswork in retirement preparation and the difficulties of selecting investments. They also examine the function of life insurance in retirement and the necessity for tailored advice to ascertain the appropriate level of coverage. Furthermore, the hosts delve into the constraints of artificial intelligence (AI) in financial planning, underscoring the value of human insight and the recognition of unique individual requirements.
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Nolan Baker discusses strategies to combat inflation in retirement, including investing in stocks, real estate, Treasury Inflation-Protected Securities (TIPS), commodities, and inflation-protected annuities. He also offers advice on selecting a financial advisor, emphasizing the importance of their background, experience, credentials, fiduciary responsibility, fee structure, transparency, and communication strategy.
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In today's discussion, we spotlight the critical red flags in retirement planning and investment strategies. Nolan, Scott, and Chaz draw parallels between the warning signs in the restaurant industry and those in financial planning, including lack of diversification, excessive fees, and subpar performance.
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Understanding the significance of early retirement planning, the choices available for altering Medicare plans upon relocation or retirement, and the anticipated modifications to prescription drug expenses in 2025 is crucial. Nolan, Scott, and Jeremy will highlight the necessity of possessing a financial strategy, living within one's means, steering clear of debt, and giving precedence to savings and investments.
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Today, we discuss the 4% rule and emphasize the need for a personalized retirement income strategy. Nolan, Scott, and Jeremy highlight the benefits of establishing a living trust, such as avoiding probate and preserving privacy. Additionally, the role and potential benefits of Health Savings Accounts (HSAs) are explored.
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What is the impact of the upcoming election on investments, bridging the income gap in retirement, and the importance of healthcare coverage. Nolan Baker provides advice on how to navigate these challenges and offer solutions such as creating a downside risk management system, optimizing Social Security benefits, and considering annuities. They also discuss the affordability of healthcare and provide examples of how income levels can affect healthcare cost.
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Nolan Baker and David Ross of the America's Retirement Headquarters discuss the impact of the upcoming election on the investment markets and the importance of a guaranteed income in retirement. Nolan discusses the potential effects of the election on the stock market and advise listeners to stay invested and focus on the long term. They also emphasize the need for downside risk management and diversification.
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Nolan Baker and Scott Kershner discuss the challenges of forced retirement and provide advice on how to navigate the financial implications. The conversation also touches on the importance of clear communication in estate planning and the potential issues that can arise when loans are involved. They will explain the importance of downside risk management and having a retirement plan in place is highlighted.
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Everyone dreams about retiring one day, and some hope to do it sooner rather than later. But there are certain challenges that arise with retiring early, and Scott and Dave tell you what you should consider on this episode.
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As longevity continues to increase, certain things need to be considered- like the possibility/probability of long term care. But how do you account for those expenses in your plan? Nolan and Chaz discuss the different options on this episode.
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If you needed $50k a year in retirement and needed it for 30 years, how much would you need to have saved? It's simple math that's anything but. Nolan Baker and Dave Ross help crunch the numbers and show that it might be less than you think on this episode.
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Fees- they're synonymous with another four letter word (use your imagination), but are they all bad? Nolan Baker offers his thoughts on when fees are and aren't worth it, and how to find out when you're actually paying them, on this episode of America's Retirement Headquarters.
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They've all but gone by the wayside in the workforce at this point, but there are still ways to create guaranteed streams of income for you and your spouse throughout retirement, regardless of how long that retirement may be. Dave Ross and Scott Kerschner discuss this and more on this episode of ARHQ.
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With the April 15th tax deadline getting closer and closer, are you sure that you've done everything in your power to reduce what you owe (not just for 2023, but the years to come)? Dave Ross and Scott Kerschner offer some tips on this episode of America's Retirement Headquarters.
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The short answer is "Yes, eventually." But the more important (and less ambivalent) question is "What should I do to prepare for a correction, regardless of when it happens?" Nolan and Scott discuss this and more on this episode of America's Retirement Headquarters.
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Nolan Baker talks about what to consider when it comes to investing in this digital asset and more on this episode of America's Retirement Headquarters.
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Life is full of emotions. And those emotions can interfere with retirement planning. Nolan and Scott discuss when to listen to those emotions, and when to keep them in check when it comes to your retirement on this episode of America's Retirement Headquarters.
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While all signs seem to point to the Fed cutting interest rates this year, it doesn't appear that it will happen any time soon. Nolan discusses this decision, and how much weight the Fed has with determining the economy's direction on this episode of America's Retirement Headquarters.
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When it comes to financial adversity, the CEO of JP Morgan Chase says he looks at how to weather the storms. And if it works for investment companies, should it work for your personal finances? The Team discusses this and more on this episode of America's Retirement Headquarters.
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We all understand the importance of saving money for retirement. But how do we actually turn those savings into dependable income throughout retirement? Scott and Dave Ross discuss this topic and more on this episode of America's Retirement Headquarters.
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Some people have decided the easiest way to reduce their taxes in retirement is to move to a more tax favorable state. Before you start packing, listen to Nolan and Chaz on this episode as they offer tips and tricks to reduce your tax obligations that don't involve moving cross country.
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With so much uncertainty surrounding 2024 (the election, for example), the urge to be able to take control of something is understandable. Focusing on reducing your risk reduction (not just for this year, but the years to come) is a great start. Nolan Baker, Scott Kerschner and Troy Kerschner talk about how to get started on this episode of America's Retirement Headquarters.
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Some will say you always will, while some will say never. The truth, lies somewhere in between and Nolan and Dave Ross discuss how they help clients determine if an annuity could be a valuable part of their retirement strategy.
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There were just a handful of stocks that kept the market afloat in 2023. Will that be the case in 2024, or is there more opportunity out there? Nolan Bake and Dave Ross look at some alternatives, including investments that are outside of the market, on this episode of America's Retirement Headquarters.
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Based on the top Google searches of 2023, money is definitely at the forefront of people's minds, especially when it comes to funding retirement. But when is is time to stop googling and start talking to someone to put together a plan? (Practically) the whole gang is here to offer their thoughts on this episode of America's Retirement Headquarters.
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Warren Buffet's right-hand man, Charlie Munger, passed away last year at 99. During his time with Buffett, he was known for preferring simple, understandable investments, and it's safe to safe that methodology worked well for the team at Berkshire Hathaway. Nolan and the team reflect on this mindset and discuss how you can simplify your retirement strategy on this episode of America's Retirement Headquarters.
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We all know the appeal of doing Roth contributions/conversions while still in the working world. But what if you're already retired? Dave Ross offers his insight, plus Scott and Troy Kerschner give a recap of this year's Annual Election period and what's coming down the line in 2024 with Medicare.
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With the election less than a year away, many believe the results of the upcoming presidential and congressional races will have a bigger impact on retirement plans than the market. Nolan Baker and Chaz Price weigh in on how to prepare for what may be coming down the line in this election and all the ones to come during your retirement.
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Even in "normal" times, inflation has always been a factor, and you need to take into account that the buying power of today's dollar will be much weaker in the years to come. While you're working, you can count on pay increases to (hopefully) offset that, but when you're retired, it becomes even more critical to make sure your investments are growing accordingly.
Nolan Baker discusses the options you can look out, including many that don't rely on the stock market, on this episode of America's Retirement Headquarters.
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Can it be done? And is it worth it? Nolan Baker and Chaz Price look at two examples (using the 2001 bear market for reference) and discuss the pros and cons of delaying retirement dates if the situation merits it on this episode of America's Retirement Headquarters.
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- That's when the Social Security solvency crisis is expected to come to a head. What happens then- further taxation, a reduction in benefits, Congress finding a way to save the day? Nolan Baker talks about what we can do now to prepare for whatever may come down the line when it comes to your benefits.
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Whether the Federal Reserve decides to pause rate increases for the remainder of the year, it seems like higher interest rates will be with us well into 2024, and perhaps even longer. But there are positives to be had from higher rates as well as the obvious negatives. Nolan Baker goes over the pros and cons on this episode of America's Retirement Headquarters.
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Whether it's something like Brexit or the current Israel-Hamas War, it makes sense to be concerned about geopolitical events, including how they could affect the markets. Nolan Baker discusses how to take the emotion out of any decisions made to prevent jeopardizing your financial future on this episode of America's Retirement Headquarters.
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With interest rates at 22 year highs, and the Fed showing no signs of bringing them down any time soon, many are considering bonds once again as an investment vehicle. But is that the best move? Nolan and Jeremy (the fabulous Baker Boys!) discuss the options on this episode of America's Retirement Headquarters. For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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2026 may seem far away, but with the Tax Cuts and Jobs Act set to sunset on December 31, 2025, it will be here before you know it. Nolan and Scott discuss how to fully take advantage of the tax code as it stands now before it's too late on this episode of America's Retirment Headquarters.
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It's not just about ages 62, 65 and 72. There are things you could (and should) be doing in your 50s. Nolan and Chaz go through the list, as well as what you can do if some of these dates have already passed you by, on this episode of America's Retirement Headquarters.
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And we're not just talking premiums and copays. Nolan, Scott, and Chaz, along with special guests from the health care industry, talk about the possible services you may require, and what it'll cost you, on this episode of America's Retirement Headquarters. For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
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Nearly 2/3s of US adults 65 and older own equity through stocks, mutual funds or retirement savings accounts... more than any age group. Are they jeopardizing their retirement prospects? Nolan, Scott and Chaz discuss the pros and cons, along with possible alternatives, on this episode of America's Retirement Headquarters. For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
See omnystudio.com/listener for privacy information.
When you stop working, the paychecks stop coming in. From your employer, at least. But Nolan and Chaz discuss how to make sure the income continues on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
A recent viral video from a woman celebrating her 100th birthday causes the guys to reflect on the importance of approaching things with a positive attitude. Nolan and Chaz discuss how they help clients do just that on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
With Social Security's coffers projected to be empty by 2033, many retirees and pre-retirees are planning to claim as soon as possible to get as much as possible. But does that math actually line up? Nolan, Scott and Chaz discuss how to take the future of Social Security into consideration with your retirement plans on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Beginning next year, how you contribute to your 401(k) may change, especially when it comes to catch-up contributions. Nolan and Chaz discuss the changes, and why they may actually work in your favor, on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
It's a question more and more pre-retirees are asking themselves, and the answer isn't a simple one. Nolan and Chaz explore the pros and cons on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Are we currently in a new bull market, or is this just the eye of the hurricane? Have you planned for retirement disruptions? And when is the best time to claim social security? Nolan Baker and Chaz Price tackle these questions and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
This is a trick question of course, because the simple answer is: the one where you pay the least amount (legally). How to do that is much more complicated, of course, but Nolan, Scott and special guest Curtis Stevens discuss the things you should take a look at to make that possible.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Perhaps recent market volatility and inflation have caused you to reduce or stop contributing to your retirement accounts. Nolan and Jeremy discuss why now would be a good time to get back on track, and what you could be missing out on the longer you delay, on this episode.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
It's certainly a question many pre-retirees have asked themselves, especially in the past few years. But is it something you should actually do? Nolan, Jeremy and Scott discuss the things you should take into account when asking yourself this question on the latest episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Jeremy Baker and Scott Kerschner discuss the significance of one versus the other (and when it's important to have both) on this episode of America's Retirment Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
In 2019, Ray Dalio claimed "Cash is trash." In 2022, the 60-40 portfolio was dead. Yet both of those have seen a major renaissance halfway through 2023. Nolan Baker and Chaz Price discuss how to navigate the constantly changing environment that is investing and the economy on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Artificial Intelligence has been in the spotlight lately, often with an ominous undertone. But there are certainly practical uses: autocorrect, GPS, and even financial investing... to an extent. Nolan, Chaz and Scott discuss when using AI for your retirement is an isn't a good idea on this episode.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
It's the Boy Scout motto: "Be Prepared." And with market volatility continuing and the threat of a recession constantly looming, Nolan and Chaz discuss how you can be prepared for a serious market downturn.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Nolan and Chaz discuss what it actually means to have a diversified portfolio (vs what so many people think it means) and why it's so important to have one on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Are you part of the 60+% of investors that say they're nervous about nervous or even afraid of the stock market? Chaz Price and Scott Kerschner discuss alternatives to subjecting yourself to the whims of Wall Street on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Specifically when it comes to annuities. Obviously, knowing what you're getting into beforehand is the best way, but what if it's too late? Nolan, Chaz and Scott explore the options on this episode of America's Retirement Headquarters. For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
With market volatility projected to continue throughout the year, what should an investor do, especially as they near retirement? Nolan, Scott and Chaz offer their insights on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
Nolan, Scott and Chaz discuss the five major risks that could jeopardize your retirement plan and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
People are 50% more likely to listen to the advice of friends and family versus professionals in the industry. Scott and Chaz discuss the pros and cons (and even more cons) of this line of thought on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
The recent failure of some regional banks has had many people asking that same question. Not just about the money they have saved in their banks, but as a whole. Chaz Price, Scott Kerschner and Troy Kerschner discuss this and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
When it comes to tax planning, the main question is: will your taxes be higher in the future? Nolan, Chaz and Scott discuss how to tackle this question, and your taxes in general, on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
When it comes to retirement, is this an "either/or" situation or a "yes/and" one? Nolan, Chaz and Scott discuss this and more on this episode of America's Retirement Headquarters.
For more information about upcoming events and to schedule a time to speak with the team, visit https://arhq.com/
As the stock market volatility continues, those that are approaching or are already in retirement may be wondering if there's a better way than just "hoping for the best." Nolan and Chaz discuss the options on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://arhq.com/
Naps are great... unless it's the performance of your retirement accounts that's dozing off. Chaz and Scott discuss ways to give your retirement a wake-up call on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
As W-2s and 1099s are coming in, many Americans are now focused on how much they owe in taxes for 2022. But how focused are you on the taxes you'll be paying for the next 20-30 years? Nolan and Scott discuss the need for a tax strategy in retirement on this episode.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Even in the current economic climate, the are opportunities for growth to be had. Nolan and Scott discuss how rising interest rates can actually work in your favor and more on this episode.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
What are they, how do they work, and do they work? Nolan, Scott and Chaz weigh in on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Here's a hint: it needs more than just "claim Social Security" in it. Nolan, Scott, and Chaz talk about the process the team at America's Retirement Headquarters uses with new and existing clients.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
At the very end of 2022, Congress finally passed Secure Act 2.0, which is meant to help Americans save more for their retirement. Nolan, Scott and Chaz break down what you need to know about these new rules on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
With talks of a recession looming and the pain of 2022 likely to continue into this year, many people that had marked 2023 as their retirement year are second guessing that thought. Nolan Baker discusses what people should keep in mind, and how keeping your retirement plans on schedule is still possible on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Obviously, it's not something anyone ever wants to happen to them, but there are definitely situations where people are forced to retire earlier than expected. Scott and Chaz Price discuss how to prepare for the possibility on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
We've seen some life in the market lately. But will it last? Nolan and Scott discuss what to expect in the new year and beyond on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
When one of the richest men in the world says it's time to prepare for a recession, it might be time to consider dialing back the risk. Nolan and Scott talk about how to prepare for the worst while still planning for the best.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
According to a new study, we make financial decisions based 90% off emotions and only 10% off logic. And that formula could add up to an uncomfortable retirement. Nolan and Scott discuss how to take the emotions out of the plan on this episode of America's Retirement Headquarters.
Schedule a time to speak with the team at https://americasretirementheadquarters.com/
Does such a thing even exist? Nolan and Scott discuss the factors you need to take into consideration on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
Back in October, there was such a rush to buy government issued I Bonds (which are tied to inflation) online that the website crashed. And that's because the rates changed going into November. But even at a reduced interest rate, are they still an attractive opportunity? Nolan and Scott discuss this and more on this episode of America's Retirement Headquarters.
Schedule a time to speak with the team at https://americasretirementheadquarters.com/
Don't go into hibernation mode just because the year beginning to wind down. Nolan discusses moves that you could and should be making before the end of December that could benefit you for years to come on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
With the bond market having the worst year on record, many investors are trying to explore other options to replace them. Nolan and Scott discuss some of the alternatives to consider on this episode.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
Between inflation, rising interest rates and constant market volatility, a recession seems inevitable at this point. And while we can't control if or when it will happen, we can control how it will effect our retirement outlook. Nolan and Scott discuss the steps you should look at on this episode of America's Retirement Headquarters.
Learn more about the Independent Income System and schedule a time to speak with the team at https://americasretirementheadquarters.com/
The short answer: you can't.
The long answer: with a proper plan, you can minimize the effects emotions can have on your retirement plan. Nolan, scott and the team from the Ann Arbor Office discuss on this week's episode.
Meet the entire team, and start taking the emotion out of your plan at https://americasretirementheadquarters.com/
If we're not already in a recession, a lot of people feel like we're staring one down. Nolan and Jeremy talk about the things that should be done before, and even during a market crash on this episode of America's Retirement Headquarters.
To speak with the team, visit https://americasretirementheadquarters.com/
According to a recent Morningstar report, rebalancing your portfolio may not necessarily improve returns, but it's an invaluable way to keep risk in check. Nolan and Scott discuss how to do this, and how often. Also, Brandon Hawkins from the Toledo Walleyes talks about the upcoming season and America's Retirement Headquarters' economic summit, and Hayley Studer from ACHI talks about how they're committed to the 419 by reducing healthcare costs for clients in the area.
A recent New York Times article talked about how a ten second balance test can predict a person's longevity. In the same vein, a balance test on your portfolio can help determine the overall health of your retirement. Nolan Baker and Scott Kerschner probably can't help with the former, but they discuss how they can help with the latter on this episode of America's Retirement Headquarters.
Find out more about the upcoming economic summit at https://americasretirementheadquarters.com/
It's not a pleasant subject to think about, but it is something we'll all encounter. Scott Kerschner and Chaz Price discuss the importance of planning for life and planning for death on this episode of America's Retirement Headquarters.
To speak with the team and start your ultimate estate planning checklist, visit https://americasretirementheadquarters.com/
One of the most popular searches online for personal finance is "when can I retire?" and the answer takes more than a few seconds on Google. Nolan and Scott discuss how they figure that out for clients on this episode of America's Retirement Headquarters.
To speak with the team to figure out when you can retire, visit https://americasretirementheadquarters.com/
It's common for people to worry about their money lasting in retirement. Some retirees take it to the extreme where they never take the time to enjoy their retirement. Chaz Price and Jeremy Baker talk about how to figure out what you can safely spend with proper planning on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
For the first time in quite a while, the current inflation rate is down from 9.1% to 8.5%. But it might be too early to say that inflation has peaked. Nolan Baker, Scott Kerschner, and special guest Terry Eisert discuss how to factor inflation into your retirement plan, regardless of the rate, on the latest episode of America's Retirement Headquarters .
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Did you know that in New York, there is a different tax for buying a sliced bagel vs an unsliced one? Or that it costs more to buy something in Utah if the seller isn't fully clothed? Or that your taxes may cost more once you're retired than they did in the working world? Nolan and Scott discuss the latter and more on this week's episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
There's some that say that the "4% Rule" never worked, but it's being especially scrutinized these days. Nolan Baker and Scott Kerschner discuss how to determine what you can safely spend annually in retirement, as well as how to reduce that spending during these high inflationary times.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
On this episode of America's Retirement Headquarters, Scott Kerschner and Chaz Price talk about that first meeting with the team. Also, the importance of estate planning, courtesy of a 90 year old TikTok sensation.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
NASA recently released pictures from the James Webb telescope, with many details that are naked to the untrained eye. On this episode of America's Retirement Headquarters, Nolan Baker and Scott Kerschner talk about the details you may not be seeing in your retirement planning.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
If you're on a road trip and you run into traffic, it's easier to navigate around if it happens at the start of your trip vs the end. In the same way, there are things that can happen as you're winding down your working career that can delay, or even jeopardize, your retirement. Nolan Baker, Chaz Price and Jeremy Baker discuss what those are and how to be proactive about them on this episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Short answer: you don't. Certainly not alone, at least. Nolan Baker and Scott Kerschner talk about when and when you shouldn't DIY on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
Some experts say a recession is coming next year, and others say it will happen before the end of 2022. Regardless of when it happens, there are moves you can, and should, make now to minimize the effect it will have on you. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
If retirement was in your plans in the next few years, do you find yourself rethinking that? Before you make any drastic changes, take a deep breath and try to look at everything objectively. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
With inflation at a 40 year high, and volatility and interest rates creeping upwards, the stage seems to be set for a major correction (if not a recession). Are you prepared? Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
With more and more people considering delaying retirement due to the current environment, it's difficult to imagine retiring early. But with both decisions (and retiring in general), it's important to sit down and make sure the math works. Nolan Baker and Scott Kerschner talk about what you need to know on the latest episode of America's Retirement Headquarters.
For more information and to schedule a time to speak with the team, visit https://americasretirementheadquarters.com/
America's Retirement Headquarters often talks about finding opportunities during market downturns, and it's no exception when it comes to tax preparation. Jeremy Baker joins the show this episode to talk about those opportunities.
Also, Pat McCarty, the "Guy in the 419" discusses how easy it can be for kids to start learning about financial planning.
Schedule a time to have your Tax Map run at https://americasretirementheadquarters.com/
Whether it's a financial disaster or a physical one, there are things that can be done to minimize how it affects you. Step one: have a plan. Nolan and Scott discuss the financial things to consider, and Allison Armstrong, the Chief of Fire and Rescue for Toledo, discuss how to be physically prepared.
Start your financial plan today at https://americasretirementheadquarters.com/
Like with any investment, there are things you need to be cautious of when it comes to using cryptocurrency as an investment vehicle. On this episode, Nolan, his son Andrew, and Scott break down how to get involved, and what to be aware of. Also: how to plan for your child/grandchild's college education.
Learn more at https://americasretirementheadquarters.com/
It's been said time and time again in regards to the markets: stay the course. Which is a valid "plan" while you're in the working world, but what if you're approaching or in retirement? Nolan and Scott talk about how to not let emotions dictate your financial decisions. Also, Laura Simmons-Wark from Humane Ohio stops by to talk about how they're Committed to the 419, sepcifically our four (or sometimes three) legged friends.
Stop letting emotion dictate/jeopardize your retirement plans. Schedule a time to speak with America's Retirement Headquarters today.
Many have turned to gold as a hedge against rising inflation. On this episode, Scott and Chaz Price talk about how to potentially utilize gold and other precious metals in your retirement plan. Plus: advice from mom in honor of Mother's Day and a spotlight on Jennifer Madasz of Gladstone Medical in Sylvania.
Start developing your retirement plan, including an inflation strategy, at https://americasretirementheadquarters.com/
AKA those "oh crap" moments. It sounds contradictory, but Jeremy Baker and Scott talk about how to make sure those events don't compromise your whole retirement. Also: what to do with maturing CDs and Jason Madasz of BNI joins the show to talk about how they're Committed to the 419.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
The real estate market is red hot once again and, as you get closer to retirement, you may be curious about how you can use these trends to your advantage. Nolan and Scott sit down with John Mangas of RE/MAX preferred to discuss. Also, Amanda from HOOVES returns to talk about upcoming events that will help area veterans.
There are many ways to tackle the issue of long term care. On this episode, Jeremy Baker and Scott discuss the different options, and how the worst plan is to not plan for it. Also, Kristin Meyer from the Maumee Chamber joins and talks about how the Chamber is committed to the 419.
Schedule a time to discuss your LTC options, and any retirement concerns you may have, at https://americasretirementheadquarters.com/
With so many different ways to claim Social Security, and only one shot at claiming, it's imperative to figure out when will be best for you. This week, Scott and Chaz break down some of the most common strategies. Also, the inaugural edition of "Committed to the 419," with a spotlight on Nature's Nursery.
Learn more about the team today at https://americasretirementheadquarters.com/about/meet-our-team/
The phrase "Buy low, sell high" is commonly known, but not so commonly practiced. On this episode, Nolan and Chaz Price talk about how to shift your mindset to look at market downturns as opportunities rather than cause for concern.
Take the first step to shifting your financial mindset at https://americasretirementheadquarters.com/
With rising interest rates, continuing record high inflation and market volatility, it can be tricky to know what to modify or update and when. On this episode Nolan and Scott offer a little insight on how to stay up to date with your accounts, and also address some retirement superstitions.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
We all know the saving money towards retirement. But do you know how to turn that money into an income plan? On this episode, Nolan and Scott talk about things to keep in mind, including having multiple streams of income and how to give yourself future pay raises.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
Step one: don't assume that the Medicare plan you signed up for initially is going to be the best plan for you every year after that. Nolan and Scott discuss what may change, and what you should be doing before the Open Enrollement window closes at the end of March.
Questions? Reach out at https://www.americasmedicareassociates.com/
Between high inflation, the probability of rising interest rates, and situations abroad, there are plenty of reasons why an investor might be feeling a little nervous right now, especially as they approach retirement. On this episode, Nolan and Scott discuss how making kneejerk decisions can cause bigger problems down the line, as well as how to give yourself some emotional detachment going forward.
Schedule your risk report today at https://americasretirementheadquarters.com/
In response to the highest level of inflation we've seen in 40 years, the Fed is expected to raise interest rates several times in 2022. How many times, and how will that affect retirement prospects going forward? Nolan and Scott break it down on this episode.
Schedule a time to stress test your portfolio today at https://americasretirementheadquarters.com/
Not all professionals are created equal, and there are definitely things you should know/ask about before getting on board with a financial advisor or insurance agent. The guys break down those things on this episode.
Request your copy of the questions you should ask today at https://americasretirementheadquarters.com/
We hope you've been able to stay warm (and safe) this winter, thanks to proper storm preparation. This week, Nolan and Scott talk about things that can be done to prepare for the financial blizzard that could be coming in retirement.
Start creating your all-weather portfolio today at https://americasretirementheadquarters.com/
We've all heard the term "rebalancing your portfolio," but... what is it? How do we do it, and how often? Nolan and Scott break it all down in this episode.
Set up a time to speak with the team at https://americasretirementheadquarters.com/
It's not an easy discussion to have, but it's an extremely important one: what do your loved ones do after you're gone? This week, Scott and special guest Sam tell their stories, and highlight the need for estate planning.
Get your copy of the Ultimate Estate Planning Guide at https://americasretirementheadquarters.com/
Even though the calendar has already switched over, there's still time to make contributions to your Roth IRA to reflect on your 2021 taxes. Chaz and Scott discuss how (and how much) on this episode.
Develop your tax strategy for all the years you'll spend in retirement at https://americasretirementheadquarters.com/
While everyone's plan in retirement will vary, there's one thing that is universal: the desire to know that you'll be okay. And for a lot of people, that boils down to seeing a "magic number" in their accounts. This week, Nolan and Scott Osborn talk about how to figure out what that number is (surprise: it's different for everyone!).
Start the path to retirement confidence today at https://americasretirementheadquarters.com/
Nolan and Chaz discuss the strategies the team at America's Retirement Headquarters utilize with their clients when it comes to building an maintaining portfolios.
Start your new year off on the right financial path by scheduling an appointment at https://americasretirementheadquarters.com/
When the government began taxing Social Security in the 80s, it only affected about one out of every ten recipients. Today, the number is closer to one out of every two. Its one thing to know that taxes are probable, it's another to find ways to minimize/relieve those tax obligations all together. On this episode, Scott and Chaz Price talk about what you need to know and what you should do.
Go to https://americasretirementheadquarters.com/ today to schedule a time to start planning for your retirement.
With over 50 years of combined industry experience, the team at America's Retirement Headquarters has helped a wide variety of people get to and through retirement. This week, Nolan and Scott discuss the 10 biggest mistakes they've seen people make and discuss how they can be avoided.
Step 1: reach out to them to start your plan at https://americasretirementheadquarters.com/
As we prepare to enter into the final month of 2021, there are several things that we can and should do to set us up for a better 2022 and beyond... especially when it comes to taxes. Nolan and Scott go over what you need to do to get ready.
A good first step? Schedule a time to speak with them at https://americasretirementheadquarters.com/
There's still time (but not much) to make changes to your Medicare plan for 2022 during the Annual Election Period. Scott talks about what you need to do before the December 7th deadline, and also what you should be doing even if you're not even Medicare eligible yet.
Schedule a time to review your options today at https://www.americasmedicareassociates.com/
Risk in retirement isn't just about market volatility, although that's certainly a factor. On this episode, Nolan discusses the other risks you could potentially face during your golden years, as well as ways to mitigate those risks.
Start the path towards your retirement dreams at https://americasretirementheadquarters.com/
The end of the year is often a busy time, especially as the holidays approach. But there are some things that can (and should) be done financially that can help set you for a successful 2022, 2023 and beyond.
Schedule your end of the year meeting with the team at https://americasretirementheadquarters.com/
When trusting someone with your life savings, it's important to ask a lot of questions, even if it seems taboo. On this episode, Scott and Chaz Price talk about some of the important questions, and answer them about themselves.
Schedule your complimentary Q&A session with the team today at https://americasretirementheadquarters.com/
'Tis the season... to review your Medicare for the upcoming year. On this episode, Scott and Nolan take a deep dive into what to expect for 2022, how to decide if it's better to enroll or stay on your employer's health plan, and how to find out what Medicare does, and doesn't,cover.
Schedule a time to review your options today at https://www.americasmedicareassociates.com/
It's fairly common sense: the less money you pay to the government, the more money you get to keep for yourself. But how do you maximize that amount (legally, of course)? Nolan and Scott break it down.
Schedule a time to figure out your year-end tax moves at https://americasretirementheadquarters.com/
Between a significant spike in 401(k) values in the past decade and "The Great Resignation," among other things, more and more people are eyeing the idea of an early retirement. Nolan and Scott break down the things you should know and plan for before you make the leap.
Start mapping out your retirement, early or otherwise, today at https://americasretirementheadquarters.com/
It's already October, and it's not too early (or too late) to start thinking about the end of year moves you can make to set yourself up for a more successful 2022, and beyond. Nolan and Scott tell you what you should be doing, and how to get started.
A good first step? Set up a time to speak with them at https://americasretirementheadquarters.com/
It's easy to say you've got a good investment plan when the market is been doing great (like it has been). But we all know that nothing lasts forever. What happens to your plan, or lack of one, then? On this episode, Nolan is joined by Robert Swan of Swan Global Investments to discuss how to create a plan that will weather not just the coming storm, and all the other ones you'll encounter during your retirement.
Start bringing some of your ships into dock at https://americasretirementheadquarters.com/
In the grand scheme of things, buying a vehicle is not one of the biggest decisions you'll make in life. But we all do our research and, before we sign on the dotted line, we make sure we give that car a test drive. Why shouldn't you do the same when it comes to how you'll spend your retirement years? This week, Nolan talks about how to test drive your retirement before you clock out for the final time.
Start putting together your test drive today at https://americasretirementheadquarters.com/
We all know the importance of regular maintenance on our vehicles, but did you know that there's a tweak to our 401ks that over 34 million people aren't doing? This week, the two Scotts talk about that tweak, and how to do it.
Schedule your financial tune up today at https://americasretirementheadquarters.com/
Believe it or not, there's an order in which you should start pulling your money from your income sources. On this episode, Noland and Scott discuss what that order should be, and why it actually matters.
Prepare for your "lifetime of Saturdays" at https://americasretirementheadquarters.com/
The market is consistently seeing new highs, and many feel we're in the a market bubble. This week, Nolan and Scott discuss what happens when bubbles burst, and moves retirees/pre-retirees should make ahead of that happening.
Take the first step on your retirement journey at https://americasretirementheadquarters.com/
I know, we've still got a good portion of 2021 left on the calendar... But there are things you can (and should) do right now to minimize your taxes going into 2022, and 2023, and beyond. Nolan and Scott discuss what those things are, as well as how concerned you should be with inflation (a little) and long-term care (a lot more than a little).
Start planning for your future at https://americasretirementheadquarters.com/
This week, Nolan and Scott discuss the importance of rebalancing your portfolio, how often to do it, and most importantly, how todo it.
Take the first steps towards your retirement at https://americasretirementheadquarters.com/
Believe it or not (and we hope you do), your investment style should change in retirement vs your working years. This week, Nolan and Scott discuss what those changes should be and how to make them.
Also: Amanda Held of H.O.O.V.E.S. joins the show to talk about her organization's mission of using rescue horses to help veterans suffering from PTSD.
On this episode, Nolan and Scott tackle a listener question regarding her retirement accounts. Also: the importance of long-term care planning and the importance of being "tax-savvy" in retirement.
Start piecing together your retirement puzzle at https://americasretirementheadquarters.com/
The main purpose of life insurance (benefits paid out to a beneficiary upon your passing) are pretty well known, but there's actually other ways to utilize it, and this week Chaz and Scott discuss those uses. Also: who's a better investor- men or women?
Learn more about the team, and schedule a time to speak with them at https://americasretirementheadquarters.com/
Should you find yourself re-entering the workforce after retirement, we hope it's something you want to do rather than are forced to do. But did you know there are financial pitfalls you could encounter by re-entering the workforce? Scott and Chaz break it down on this week's show.
Start your own Retirement Roadmap at https://americasretirementheadquarters.com/
Every week it seems that there's a new tax bill being proposed in Washington, just to see what eventually sticks. So how do you plan for the new rules that are coming when we don't know what those rules will be? Chaz and Scott discuss strategies that can help you prepare for whatever taxes may get approved in the future.
Schedule a time to have your tax map run at https://americasretirementheadquarters.com/
An NYU study found that most people consider themselves to be "above average" drivers... but that's not how averages work. And it's safe to say many people have similar (possibly incorrect) feelings about their retirement plans. This week, Nolan and Scott talk about things to consider as you develop your retirement strategy to help you stay above the curve.
Find out more about the team, and schedule a time to speak with them, at https://americasretirementheadquarters.com/
Generating income in retirement is important, but even more so if you choose to retire early and can't rely on social security to help out. This week, Scott and Chaz talk about a special rule that allows you to take withdrawals from your retirement accounts early, and without penalty, and the stipulations that come with it. Also: how to know you've chosen the right advisor, and they talk about lessons learned from dad.
Learn more about the team at https://americasretirementheadquarters.com/
President Biden has recently admitted that he wants his big capital gains tax to be retroactive to this past April. This is, of course, still just a proposal and not the law of the land- but this week, Nolan and Scott discuss what should be done if it doesn't pass and, more importantly, what can be done if it does.
Put together your tax road map at https://americasretirementheadquarters.com/
You probably already know, and may even share the feeling, that the #1 fear among retirees is running out of money. But is it justified? Nolan and Scott discuss the truth behind this fear, and ways to hopefully help put your mind more at ease as you enter into the next chapter of your life.
Learn more about the Independent Income System at https://americasretirementheadquarters.com/
Nolan and Scott discuss how to prepare for an early retirement, whether it's something you plan on doing, or something that's is decided for you. Topics include: buyout offers, a proper withdrawal strategy, and the importance of having an actual written plan.
Start putting your plan together by visiting https://americasretirementheadquarters.com/
We all know that inflation is inevitable, and will decrease the buying power of our dollar over time. But we may be looking at a black swan event that could cause a significant inflation increase in the near future. This week, Nolan and Scott discuss what that could mean for retirement investments, and what can be done about it.
Start developing your plan today at https://americasretirementheadquarters.com/
Okay, this week's title is a little tongue in cheek, but we recently found that all the programs the current administration is proposing will cost roughly $700 billion more than projected. And that money is almost certainly going to come from higher taxes. Nolan and Scott Osborn talk about the importance of tax planning now before those increases come on this week's episode.
Schedule a time for your tax map at https://americasretirementheadquarters.com/
A recent survey found that the average fee in a workplace retirement plan is around one percent. Which doesn't sound like much, but over the course of a career it can add up to more that $138,000!
This week, Scott and Chaz Price take a deep dive into fees, and discuss ways to minimize the amount that you're paying.
Schedule a fee analysis with the team at https://americasretirementheadquarters.com/
Money Magazine says "Between the ages 59 1/2 and 72 is the only time in your life where there are absolutely zero rules with IRAs." Zero rules might be a stretch, but this week, Scott Kerschner and Scott Osborn talk about the moves you can make to take advantage of that.
Find out more about the team at https://americasretirementheadquarters.com/
We live in a world of unlimited choices. From Amazon to Netflix, we can basically have whatever we want whenever we want it. And that's good... right? Not always.
This week, Nolan and Scott discuss how having too many options in a retirement plan can overwhelm us to the point of making no decision... Which is often the worst decision.
Make a right decision, and schedule an appointment at https://americasretirementheadquarters.com/
The country just recently (4/17) celebrated "Tax Freedom Day," the day where Americans collectively earned enough to pay for all federal, state, and local taxes we'll owe for the year. On this week's sow, Nolan and Scott discuss strategies that can help lower your tax obligations in the future, so that your personal "Tax Freedom Day" can hopefully happen earlier each year in retirement.
Start developing your tax strategy: https://americasretirementheadquarters.com/
During your working years, the emphasis is on accumulating wealth to help fund your retirement. But as you approach and enter retirement, having a good tax strategy is just as important, if not more so, than your investment strategy. This week, Chaz Price and Scott discuss tax planning, as well as sifting through the hundreds of different ways you can claim your Social Security benefits.
Learn more about the whole team at https://americasretirementheadquarters.com/
There's a lot to consider when it comes to Medicare: when and how to sign up, how to fill in the gaps, and what the different letters (Parts A-D) do and cover. This week, Scott breaks it all down.
Schedule a time to discuss your Medicare options at https://americasretirementheadquarters.com/medicare/
It's not a lighthearted topic to discuss, but here's the truth: some form of long term care assistance is something over half of us will encounter during our lives. And if you don't account for it, it can devastate the nest egg you (and your spouse) have put together.
This week, Nolan and Bill Hurley discuss options for paying for long term care beyond an insurance policy.
Discuss your long term care options with the team at https://americasretirementheadquarters.com/
A cyber-attack is performed every 39 seconds, and the damage related to it is projected to hit $6 trillion annually this year. On this episode, Nolan and Scott take the time to tell you what to be on the lookout for, and to make yourself less susceptible to cyber attacks.
Learn more at https://americasretirementheadquarters.com/
In a recent letter to his shareholders, Warren Buffet spoke of a "bleak future" for retirees due to low interest rates in bonds. This week, Nolan and Scott discuss why that may be, and alternatives to help prevent that future.
Start the discussion about your financial future at https://americasretirementheadquarters.com/
Right around a year ago at this time, we were in the early stages of a market crash. The market quickly recovered, and we're now close to all time highs, but Nolan and Scott discuss the steps you can take now to help A: preserve what you already have and B: use the next market downturn as a growth opportunity.
Start developing your plan now at https://americasretirementheadquarters.com/
More and more people over the age of 65 are continuing to work, and they're presented with the option of staying on their employer's insurance plan or beginning Medicare. Scott weighs in on what you need to consider before making that decision.
Reach out to Scott and figure out what's best for you at https://americasmedicareassociates.com/
The amount you'll have to pay for Medicare each month depends on which income bracket you're in during retirement. And going just one penny into the next bracket could translate into hundreds of dollars in additional premiums. Nolan and Scott discuss those brackets, and ways to avoid going over those thresholds without affecting the income you'll have in retirement.
Develop a plan that takes into account these thresholds at https://americasretirementheadquarters.com/
Honesty is the best policy, especially in marriage, but sometimes there are financial secrets in a relationship: a secret credit card or account, outstanding debt... Scott and Chaz Price discuss how catastrophic those secrets can be to building a successful retirement plan, and how to have that tricky conversation with your partner if you've been keeping a financial secret.
Start getting your financial house in order by visiting https://americasretirementheadquarters.com/
There are myths about retirement that could wreak havoc on your plan if you believe them. This week, Nolan and Scott discuss the top three missteps according to The Motley Fool, and how to avoid falling for them.
Take a step in the right direction at https://americasretirementheadquarters.com/
An average day in the life of a retiree is going to look a little different than the average day of someone still in the workforce. In the same way, financially planning for those days is going to look significantly different as well.
On this episode, Nolan and Scott discuss why retirement financial planning is so different from normal financial planning, and what to look for when choosing those advisors.
Meet the team at America's Retirement Headquarters right here
The saying goes "Buy low, sell high." But is it possible to still successfully invest while the market is up? Nolan and Scott discuss this, and what can be expected, tax-wise, from the Biden administration.
Schedule your Tax Road Map at https://americasretirementheadquarters.com/
A common rule of thumb says you'll need about 80% of your pre-retirement income once you quit working. This week, Nolan and Scott discuss how feasible that rule is, and how to determine a more specific number for your retirement.
Get your personalized retirement plan started at https://americasretirementheadquarters.com/
A new projection from HealthView Services says a healthy couple retiring this year (2021) can expect to spend more than $660,000 on medical bills over the course of their retirement, and that’s in addition to all your other bills.
This week, Nolan and Scott discuss how to avoid being wiped out by this massive expense.
There are hundreds upon hundreds of different ways to claim your social security, and if you happen to be married there are even more factors to consider. On this week's show Nolan and Scott talk about the things to consider, and how to make the choice that's best for your household.
Retirement is usually the goal for everyone in the workforce, but there are some people out there who simply don't want to. And that's okay- but there are still things you should do to ensure thoss working years are as successful as possible. This week, Scott and guest Chaz Price talk about a few of those things.
If you look back on how the market performed in 2020, you'll see a number of price swings that normally take a decade or so ordinarily. We were fortunate enough to have it less than eight months!
This week, Nolan and Scott discuss how to avoid being an emotional investor (including over-reacting now that things are going up).
We've known for awhile not that Social Security recipients will be getting a 1.3% COLA (cost of living adjustment) going onto 2021. But now we're being told that Medicare Part B premiums will be going up by 2.7%. The numbers don't lie, and they could spell disaster if you're not creating a plan that prevents you from losing ground annually.
This week, Scott and Nolan discuss some ways to prevent that slide, and more.
Choosing a financial advisor can be a major life decision- some have even equated it to big decisions like buying a house or getting married! So it makes sense that you feel comfortable with who you choose. This week, Nolan and Scott discuss you should look for when making that decision- including some potential red flags.
Obviously, income is going to be a big factor in determining what kind of retirement you're going to have, and you've probably spent the majority of your working life focusing on that. But there are other factors that you may not have considered that will also have a huge impact on your golden years.
This week, Nolan and Scott discuss two of those things: taxes and long term care.
Now that the election is over people are wondering if it should have any bearing on how they invest. This week, Scott and Nolan weigh in and discuss how the election has (if at all) changed the startegies they're using.
As we get ready to bid farewell (or good riddance) to 2020, there are some things you can do before the end of the year to help set yourself for not just 2021, but your future retirement as well.
Nolan and Scott tell you what you should be doing and more on this week's episode.