Wisdom to Wealth: Recent Episodes
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Drew Stevens discusses financial information to help those that struggle and helps them transform to wealthy individuals.
Can your spouse receive their own Social Security benefit and then simply add another 50% of yours?
It's one of the most common Social Security misconceptions—and misunderstanding the rule could lead couples to build a retirement income plan around benefits they may never receive.
In this episode, Drew Stevens, founder of Wisdom to Wealth and a Retirement Decision Specialist, explains how Social Security spousal benefits actually work and why the real decision extends far beyond the 50% rule.
Drew discusses the difference between a spousal benefit and spousal supplement, why the calculation is generally based on the higher earner's full-retirement-age benefit, and why spousal and survivor benefits should never be confused.
You'll also learn why delaying Social Security for the higher-earning spouse can become a survivor-protection decision and why relying solely on a traditional “break-even age” can overlook important considerations involving taxes, Medicare and IRMAA, Roth conversions, portfolio withdrawals, longevity, and future survivor income.
The central message is simple: Social Security should not be optimized in isolation.
For married couples, the better question isn't simply, “How much can I receive?”
It's: “What decision creates the strongest outcome for both of us throughout retirement?”
Because a wiser retirement rarely begins with a product. It begins with a better decision.
Drew Stevens | Wisdom to Wealth | Retirement Decision Specialist
This podcast is provided for educational purposes and should not be considered individualized tax, legal, investment, or Social Security advice.
Claiming Social Security is one of the biggest retirement decisions you'll ever make—but it's also one of the most misunderstood.
Many people focus only on maximizing their monthly benefit, yet the timing of your claim can affect taxes, Medicare premiums, Roth conversions, investment withdrawals, survivor income, and your overall retirement strategy.
In this episode, Drew Stevens, Founder of Wisdom to Wealth and Retirement Decision Specialist, explains why Social Security should never be considered in isolation.
You'll discover:
• The advantages and trade-offs of claiming at 62, Full Retirement Age, or 70
• How Social Security interacts with your tax return
• Why Roth conversions and Medicare IRMAA matter
• How survivor benefits can influence claiming decisions
• The importance of coordinating retirement income rather than making isolated financial choices
If you're approaching retirement or helping someone who is, this episode offers practical insights that can help you make more informed retirement decisions.
Every retirement decision affects another. Before making permanent choices about Social Security, taxes, Medicare, Roth conversions, or retirement income, make sure you understand how those decisions work together.
If you're within five years of retirement—or already retired—and would like a personalized Retirement Decision Review, I'd be honored to help.
Visit www.wisdomtowealth.com to schedule a complimentary consultation and begin making retirement decisions with greater confidence, clarity, and purpose.
Many retirees worry about making the wrong investment decision. Surprisingly, the biggest financial mistake may be something much simpler—doing nothing.
In this episode, Drew explains how delaying important retirement decisions can trigger a domino effect involving Social Security, taxes, Medicare premiums, retirement income, and long-term financial confidence.
You'll discover why waiting is still a decision, how small choices can create lasting consequences, and what proactive retirement planning looks like.
Whether you're approaching retirement or already retired, this episode will help you think differently about protecting your financial future.
We've all done it.
Need to fix something around the house? Watch a YouTube video.
Need to grill the perfect steak? There's a video.
Need to build a backyard deck? Thousands of videos.
But retirement planning isn't a weekend project.
In this episode, Drew Stevens, Retirement Decision Strategist, explores one of the biggest mistakes pre-retirees make—believing that a Roth conversion is simply a tax decision. In reality, every retirement decision has a ripple effect. Roth conversions can influence Social Security taxation, Medicare IRMAA premiums, Required Minimum Distributions, cash flow, survivor income, and your long-term retirement strategy.
The internet is an incredible source of information, but information without context can become expensive.
If you're approaching retirement or already retired, this conversation will challenge the way you think about financial decisions and explain why comprehensive retirement planning is about much more than individual tactics.
You'll walk away understanding why retirement success isn't built on isolated decisions—it's built on an integrated strategy.
If this episode helped you, please subscribe, leave a review, and share it with a friend or family member preparing for retirement.
To learn more or schedule your complimentary Retirement Decision Strategy Session, connect with Drew Stevens and discover what it means to Retire Wise. Retire Ready.
The calendar doesn't lie.
Half the year is already behind us.
In this episode, Drew Stevens asks a question that has very little to do with your investment portfolio—and everything to do with your future.
Drawing from more than four decades of experience helping families prepare for retirement, Drew explores why so many people carefully plan for financial retirement while neglecting to plan for the life they'll actually be living.
Discover how behavioral finance, purpose, gratitude, relationships, and intentional living all compound over time—just like investments.
If you've ever wondered whether you're simply accumulating wealth or creating a life worth remembering, this episode is for you.
📘 Take the next step: Order Drew Stevens' book, Retirement Wise, on Amazon and begin building a retirement strategy that prepares you financially and personally for the years ahead.
And if you're looking for retirement education in a comfortable, no-pressure environment, be sure to watch for one of Drew's upcoming educational dinner events in your area.
Most people spend forty years preparing financially for retirement.
Very few prepare for the emotional transition.
In this episode of Wisdom to Wealth, Drew Stevens discusses why many retirees struggle after leaving the workforce—not because they lack money, but because they lose the structure, purpose, and identity their careers once provided.
Through humor, real-life observations, and practical insight, Drew explains why successful retirement is about much more than investments. It's about creating a meaningful next chapter.
Whether you're approaching retirement or already there, this episode will challenge you to ask one powerful question:
What am I retiring to?
Call to ActionIf you're within five years of retirement or recently retired and would like help building a retirement strategy that goes beyond your investments, visit Wisdom to Wealth and schedule a complimentary Retirement Strategy Conversation with Drew Stevens.
Be sure to follow the podcast so you never miss future episodes covering retirement income planning, Social Security, taxes, Medicare, investing, and living an intentional retirement.
Most retirement advice focuses on what to cut.
Cut expenses.
Cut spending.
Cut activities.
Cut enjoyment.
But what if retirement was never meant to be about subtraction?
In this episode of Wisdom to Wealth, Drew Stevens explores 12 powerful things retirees should add to life—from laughter and friendships to purpose, adventure, learning, generosity, and confidence.
Retirement is more than a financial event.
It's a life transition.
And the most successful retirees understand that money is simply a tool to help create a meaningful, fulfilling, and purpose-driven future.
If you're wondering whether your retirement strategy is truly aligned with the life you want to live, now is the time to find out.
Schedule your complimentary Retirement Strategy Conversation with Drew Stevens and discover how to turn your retirement savings into a retirement lifestyle.
Because the real question isn't how much money you have.
The real question is where you want your life to go.
Retire Wise. Retire Ready.
Drew Stevens
Retirement Income Strategist
Retirement advice often sounds like a long list of sacrifices.
Spend less. Travel less. Buy less. Do less.
But is that really the purpose of retirement?
In this episode, Drew Stevens challenges conventional retirement thinking and shares the 12 things retirees should never automatically eliminate from their lives.
You'll learn why family, travel, friendships, health, purpose, generosity, and meaningful experiences may be the most important investments you'll ever make.
If you've spent decades building your retirement savings, this conversation will help you think differently about how to use those resources to create a fulfilling and rewarding life.
Retirement isn't about dying with the most money.
It's about living with the most meaning.
If today's episode resonated with you, subscribe to the podcast, leave a review, and share this episode with someone who may be approaching retirement with more fear than confidence.
When you're ready to create a retirement strategy designed around your life—not just your money—reach out to Drew Stevens and the team at Wisdom & Wealth. We'd be honored to help you build a retirement worth living.
Retirement is supposed to be one of life's most rewarding chapters.
Yet many retirees quietly struggle with concerns they rarely discuss—even with family members.
In this episode, Dr. Drew Stevens explores the emotional side of retirement and reveals the fears that often keep retirees awake at night, including concerns about running out of money, healthcare costs, market volatility, and maintaining independence.
You'll learn why retirement is as much a psychological transition as it is a financial one and how a well-designed retirement income plan can help replace uncertainty with confidence.
Whether you're approaching retirement or already living it, this episode offers valuable insights into creating a more secure and fulfilling future.
Enjoying the podcast? Subscribe, leave a review, and share this episode with friends and family who are planning for retirement. To learn more about retirement income planning and wealth strategies, visit:
www.wisdomtowealth.com
Wisdom to Wealth — Turning Financial Complexity into Retirement Confidence.
In this episode, Drew Stevens discusses the emotional and financial realities many retirees face when approaching retirement without a coordinated strategy. After more than 40 years in financial services, Drew shares some of the most common retirement mistakes individuals and couples make — and what can still be done to improve retirement confidence and clarity.
In this episode, you’ll learn:
• Why retirement often arrives faster than expected
• The biggest mistakes retirees commonly make
• How Social Security, taxes, Medicare, and investment risk all connect
• Why financial education is often missing
• The emotional side of retirement planning
• How small changes today can create greater peace of mind tomorrow
Whether you are already retired or preparing for retirement in the next several years, this conversation is designed to help you become more informed and intentional about your future.
If this episode resonates with you, be sure to:
✅ Subscribe to the channel
✅ Like and share this video
✅ Comment below with your biggest retirement concern
✅ Reach out to learn more about upcoming educational workshops
Remember:
Retirement confidence does not happen accidentally.
It happens intentionally.
RetirementPlanning #SocialSecurity #RetirementIncome
After more than 40 years helping retirees navigate financial decisions, Drew Stevens has seen one major problem repeatedly surface: many retirees were sold investment products without ever being taught a retirement strategy.
In this episode, Drew uncovers the five biggest retirement myths that Wall Street promoted for decades — from the dangers of blindly “staying invested” to the flaws in the traditional 4% withdrawal rule.
You’ll discover:
- Why retirement investing is different from accumulation investing
- The hidden dangers of sequence risk
- Why bonds may not provide the safety retirees expect
- The emotional realities of retirement planning
- Why retirees often spend more than anticipated
This episode is practical, insightful, and designed to help retirees think differently about their financial future.
Smart people make bad retirement decisions every day — not because they lack intelligence, but because retirement is emotional, psychological, and filled with complexity.
In this episode, Drew Stevens shares over four decades of real-world experience helping retirees avoid costly financial mistakes. From analysis paralysis and emotional investing to tax traps and retirement income confusion, Drew explains why many successful people struggle when transitioning into retirement.
This episode is packed with practical retirement insights, real-world examples, and actionable strategies designed to help listeners retire with greater clarity, confidence, and control.
If you are approaching retirement or already retired, this conversation could change the way you think about your financial future.
Retirement today is more complicated than ever before.
In this episode, Drew Stevens of Wisdom to Wealth discusses the 7 biggest retirement mistakes retirees continue to make — including poor Social Security timing decisions, entering retirement with debt, ignoring inflation, waiting too long for RMD planning, and failing to create a true retirement strategy.
With over four decades of experience helping retirees prepare for retirement, Drew combines practical education, humor, and real-world perspective to help listeners avoid costly financial mistakes and improve confidence heading into retirement.
Whether you are already retired or preparing to retire soon, this episode provides important insights to help you better navigate today’s retirement landscape.
What quietly destroys more retirements than the stock market?
Family decisions.
In this episode, Drew Stevens discusses the hidden retirement risks most retirees never expect:
adult children becoming financially dependent, emotional financial choices, long-term care planning mistakes, healthcare costs, legacy concerns, and family pressures that can slowly erode retirement security.
With humor, real-world stories, and over 44 years of financial services experience, Drew explains why retirement planning is about far more than investments.
This episode explores:
• Retirement and family financial stress
• Long-term care and healthcare planning
• Emotional retirement decisions
• Legacy and estate planning concerns
• Adult children and retirement boundaries
• Protecting retirement income and assets
• Hidden retirement risks most advisors never discuss
If you are retired or preparing for retirement, this is a conversation you do not want to miss.
Learn more at:
Wisdom to Wealth
Request your copy of “Retire Wise” for just $1 or schedule a private retirement clarity meeting today.
Most people heading into retirement believe they’re prepared.
They’ve saved money. Built accounts. Made smart decisions along the way.
But here’s the truth:
Having money is not the same as having a plan.
In this episode, Dr. Drew Stevens breaks down the difference between having a “pile” of assets and having a true retirement strategy.
You’ll learn:
- Why income—not assets—is the foundation of retirement
- How market risk changes once you stop working
- The hidden tax risks that can erode your savings
- Why legacy planning is about more than just documents
Through real-world insight and client experience, this episode highlights the most common—and costly—mistakes retirees make and how to avoid them.
📘 FEATURED RESOURCEGet a copy of
“Retire Wise: How to Avoid Retirement Obstacles”
A practical guide to help you navigate retirement with clarity and confidence.
👉 Visit: WisdomToWealth.com
📅 SCHEDULE A REVIEWIf you’re nearing retirement or already there, you can request a complimentary Retirement Roadmap Review to evaluate your income, taxes, risk, and overall strategy.
ABOUT THE HOSTDr. Drew Stevens is a seasoned financial professional with over 40 years of experience helping individuals and families plan for and transition into retirement.
Drew Stevens explores the humorous and heartfelt shift in parenting roles as aging parents become like teenagers. He shares personal stories about shifting discipline styles, new senior behaviors around technology, driving, eating habits, and the changing family dynamics as adult children care for their elders with patience and humor.
From unpredictable driving to early dinners, loud TVs, and ALL CAPS texting, this episode captures the everyday moments that families across the country are experiencing.
It’s funny. It’s relatable. And it’s absolutely real.
If you’re navigating life with aging parents—or becoming one yourself—this episode will have you laughing and nodding your head at the same time.
Enjoy the episode? Share it with someone who will say:
“That is EXACTLY my parents.”
More episodes and insights at:
wisdomtowealth.com
Everyone is worried about the market crashing…
But the real threat to your retirement may be something far more predictable—and far more dangerous.
Taxes.
In this episode, Drew Stevens, PhD, shares a powerful perspective from over four decades in financial services. He explains why so many retirees unknowingly walk into retirement with a major blind spot: they’ve built wealth, but they haven’t built a tax strategy.
From IRAs and 401(k)s to Social Security taxation and IRMAA brackets, Drew breaks down how taxes can quietly erode your retirement income—and what you can do about it.
You’ll walk away understanding:
- Why future tax increases are likely
- How tax diversification can protect your income
- The importance of strategic withdrawals
- Why “just paying taxes later” is not a strategy
- How to start reducing your lifetime tax burden today
If you’ve never had a detailed tax conversation with your advisor, this episode could change everything.
To learn more or schedule a no-obligation conversation, visit:
wisdomtowealth.com
Take 30–40 minutes. Get clarity. Keep more of what you’ve earned.
In this episode Drew Stevens argues that many financial advisors are merely order-takers focused on portfolio maintenance and accumulation, not comprehensive retirement planning. He highlights common gaps—tax strategy, IRMA/S, Medicare, Social Security timing, and income distribution—that can leave retirees exposed.
Stevens explains what a true retirement advisor does: build an income-first strategy, coordinate tax-efficient distributions, and plan for market drops and healthcare costs, urging listeners to ask better questions or seek a second opinion.
Are you relying on hope to get through retirement?
In this episode, Drew Stevens, PhD, dives into a hard truth: most people don’t actually have a retirement plan—they have a statement and a lot of assumptions.
From underperforming portfolios to overwhelming debt, Drew explains why so many people feel uncertain about their future—and what it really takes to fix it.
You’ll learn why clarity, structure, and intentional planning are the keys to a confident retirement—and how to start building that today.
If you’re ready to take control of your retirement:
👉 Go to wisdomtowealth.com
👉 Book your 45-minute strategy session
Stop hoping. Start planning.
“If you’re within five to ten years of retirement and you’re not 100% confident in your plan, then we need to talk. Go to wisdomtowealth.com, schedule a 45-minute conversation, and let’s turn uncertainty into clarity—once and for all.”
What if one unexpected health event could erase decades of hard work?
In this episode, Drew Stevens breaks down the single greatest financial threat facing retirees today—long-term care costs. With over 40 years of experience in financial services, Drew explains why most people underestimate this risk and how it can devastate even well-planned retirements.
You’ll learn:
- Why 70% of retirees will need care—and what that really means
- The emotional and financial toll long-term care places on families
- The truth about Medicare and why it won’t protect you
- Strategic solutions including hybrid policies, annuities, and asset-based planning
- How to avoid becoming a financial burden to your loved ones
This episode isn’t just about planning—it’s about protecting your independence, dignity, and legacy.
🎁 Free Book Offer:
Email info@wisdomtowealth.com with subject “Retire Wise Giveaway” and include one referral to receive your complimentary copy (limited to first 50 listeners).
retirement planning, long term care insurance, retirement risks, wealth protection, financial planning for retirees, retirement income strategies, healthcare costs retirement
Many people fear running out of money in retirement—but in reality, most don’t. So why does that fear exist?
In this episode, Drew Stevens shares insights from over four decades in financial services and explains the real issue retirees face: not a lack of money, but a lack of structure and income planning.
You’ll discover why having assets isn’t enough, how poor withdrawal strategies can create unnecessary stress, and why taxes and market volatility can quietly impact your retirement.
This episode is designed for individuals approaching retirement or already retired who want clarity, confidence, and a strategy that works in real life—not just on paper.
If you or someone you know is going through a financial transition, this conversation could provide valuable perspective and peace of mind.
retirement planning, retirement income, financial advisor, retirement strategy, taxes in retirement, social security, wealth management, retirement education, financial freedom, income planning
Annuities are one of the most criticized—and misunderstood—financial tools in retirement planning. But are they really as bad as people say?
In this episode, Drew Stevens unpacks the myths, misconceptions, and real-world truths about annuities. With over 40 years of experience, Drew explains how these strategies can be used to create predictable income, protect against market loss, and help retirees avoid running out of money.
If you’re approaching retirement and unsure how to turn your savings into income, this episode will give you clarity, confidence, and a new perspective.
In this episode of the Wisdom to Wealth Podcast, Drew Stevens discusses the most common—and most costly—statement he hears from retirees: “I wish we had met you five years ago.”
This isn’t about major financial mistakes. Instead, it’s about the accumulation of small decisions made without a comprehensive retirement strategy. From claiming Social Security too early to overlooking tax implications and lacking a defined income plan, these missteps can significantly impact long-term financial security.
Drew explains why time is the most valuable asset in retirement planning and why waiting for a “perfect plan” often leads to missed opportunities. He also breaks down how understanding the relationship between income, taxes, and investment strategy can transform uncertainty into confidence.
This episode is ideal for individuals and couples within five to ten years of retirement who want to avoid costly errors and build a clear, structured approach to retirement income planning.
Key topics include retirement strategy, Social Security timing, tax-efficient withdrawals, income planning, and financial clarity.
For more information and resources, visit Wisdom to Wealth.
Navigating Medicare can feel overwhelming—especially when you’re faced with unfamiliar terms like deductibles, copays, coinsurance, and the infamous “donut hole.” In this educational webinar, From Deductibles to Donut Holes: Deciphering Medicare Costs for Retirees, we break down the real costs of Medicare in a clear, practical, and easy-to-understand way.
Designed for retirees, pre-retirees, and financial professionals, this session walks through how Medicare actually works—not just in theory, but in real-life planning scenarios. We explore Medicare Parts A, B, C, and D, uncover hidden costs many retirees overlook, and explain how income-related adjustments like IRMAA can significantly impact your premiums.
You’ll also gain insight into:
• The true out-of-pocket costs retirees face
• How the Medicare Part D “donut hole” works and how to plan around it
• Strategies to reduce lifetime healthcare expenses
• Coordination between Medicare and retirement income planning
• Common mistakes that can cost retirees thousands
With decades of combined experience helping retirees navigate complex financial decisions, this session is built to educate—not sell—so you can make informed, confident choices about your healthcare in retirement.
If you’ve ever felt uncertain about Medicare or want to better understand how it fits into your overall retirement strategy, this is a must-watch.
Medicare
MedicarePlanning
RetirementPlanning
HealthcareCosts
MedicarePartD
DonutHole
IRMAA
FinancialPlanning
RetirementIncome
SeniorPlanning
WealthManagement
MedicareEducation
PreRetirement
BabyBoomers
FinancialAdvisor
CPE
ContinuingEducation
MedicareCosts
RetireSmart
HealthcareInRetirement
Debt doesn’t retire just because you do. In this eye-opening episode, Drew Stevens, Ph.D., breaks down how debt quietly robs retirees of freedom, sleep, and security. From mortgage math to credit card traps, Drew reveals how the financial system keeps retirees in a zero-sum game — and how to escape it.
Key Topics:
- The shocking 2025 stats on retiree debt
- Why the “mortgage tax deduction” myth doesn’t hold up
- How banks use amortization to profit first
- How credit card interest compounds against you
- Why many advisors avoid talking about debt
- How inflation magnifies financial strain
- Step-by-step actions to become debt-free before retirement
Inflation is the hidden tax that could quietly destroy your retirement dreams. In this episode, Drew — Your Retirement Professor from Wisdom to Wealth — exposes how inflation erodes your purchasing power and why so many retirees underestimate its long-term impact.
You’ll learn how inflation can cost you hundreds of thousands in lost value, how outdated planning assumptions create financial blind spots, and what strategies can protect your income from the stealthy rise in prices.
Through real stories and practical insights, Drew shares how retirees can outpace inflation using growth-oriented portfolios, TIPS, and inflation-adjusted income strategies that preserve lifestyle and peace of mind.
Don’t let the silent tax steal your retirement. Tune in now, then visit WisdomToWealth.com to access free resources and schedule your personal inflation review today.
Inflation #RetirementPlanning #FinancialFreedom #WealthManagement #WisdomToWealth #RetirementProfessor #HiddenTax #InflationProtection
Most retirees believe they’re prepared—until reality hits. Rising inflation, unpredictable markets, and hidden expenses can silently destroy even the best-laid retirement plans. In this powerful episode of Wisdom to Wealth, financial expert Drew [Last Name] reveals the three biggest threats to your financial freedom—and the proactive steps you can take right now to safeguard your lifestyle, your income, and your peace of mind.
You’ll hear a real-life story of a couple who nearly lost their retirement dream—and how smart planning turned it around. Drew breaks down actionable strategies like stress-testing your plan, diversifying income sources, and factoring in real inflation costs so you can retire with confidence, not fear.
If you want to protect what you’ve worked for and avoid the “Retirement Trap,” this episode is a must-listen.
👉 Call to Action:
Schedule a complimentary Retirement Stress Test today at www.wisdomtowealth.com
Don’t leave your future to chance—take control now.
RetirementPlanning #FinancialFreedom #WisdomToWealth #RetireSmart
High-Income, High-Risk: Protecting Wealth for Engineers & Physicians
Earning a high income doesn’t mean you’re financially bulletproof. In fact, engineers and physicians often face unique risks — from lawsuits and malpractice claims to concentrated stock positions, tax traps, and burnout.
In this episode of Wisdom to Wealth, Drew [Your Last Name] shares real stories from doctors and engineers who looked strong on paper but faced hidden vulnerabilities that could have cost them everything. You’ll learn why high earners are often high risk, the three biggest threats to your wealth, and the practical steps to shield your income, assets, and future.
Whether it’s mistimed stock option exercises, malpractice liability, or simply the risk of working too long without a plan for independence, this episode shows you how to transform high income into lasting security.
👉 Please rate and review this podcast, then share it with a colleague, friend, or family member who needs to hear it.
If you’ve spent decades serving as a federal employee, union worker, postal carrier, or railway retiree — your pension is more than a paycheck. It’s your power. But without the right strategy, hidden taxes, survivor benefit traps, and costly timing mistakes can erode the retirement you’ve worked so hard to earn.
In this episode of Wisdom to Wealth, Drew [Your Last Name] reveals real stories from federal and union retirees, the pitfalls most people never see coming, and three smart steps to keep more of what you’ve earned. Whether you’re under CSRS, FERS, or a union plan, this conversation is your roadmap to clarity, control, and confidence.
👉 Please rate this podcast 5 stars, leave a quick review, and share it with a friend, colleague, or family member who needs to hear it. Together, we can make sure your pension truly works for you.
In this powerful episode of Wisdom to Wealth, Drew Stevens breaks down the Fed’s latest decision to hold interest rates steady—and why it matters far more than most headlines suggest. With over $35 trillion in federal debt and inflation still pressuring everyday Americans, this episode explores seven key impacts this decision has on federal debt, bond markets, retirement income, and the future of programs like Social Security and Medicare.
If you’re retired or within 10 years of retirement, this episode is a must-listen. You’ll learn why traditional strategies may no longer work, what risks are quietly building under the surface, and what smart investors are doing now to adjust.
You’ll also hear a clear call to action—including how to request a complimentary Retirement Readiness Review to protect what you’ve worked a lifetime to build.
Listen now—and share this with someone you care about. Your financial future might just depend on it.
WisdomToWealth #RetirementPlanning #InterestRates #FederalReserve #FinancialSecurity #RetirementIncome #FedDecision #RetirementAdvisor #SmartMoneyMoves #WealthPreservation #DebtCrisis #InflationProtection #SecureRetirement #FinancialFreedom #BoomerRetirement #DrewStevens
In this deeply personal episode of Wisdom to Wealth, Dr. Drew — The Retirement Professor — opens up about the life hurdles that shaped his mission to serve retirees with integrity, grit, and genuine care. From a childhood marked by family challenges and financial hardship to a record-setting career as a hurdler, Dr. Drew learned early that true wealth is more than money — it’s wisdom, resilience, and the courage to plan for the future you deserve.
You’ll hear how overcoming personal setbacks inspired his passion for helping retirees protect and enjoy the wealth they’ve worked so hard to build. Dr. Drew’s “Why” is a reminder that no matter your starting point, you can clear your own hurdles with the right guidance and strategies.
If you’re ready to move from worry to confidence in retirement, this episode will inspire you to see your wealth as more than numbers — it’s your legacy, your peace of mind, and your freedom to live fully.
Tune in, get inspired, and discover why Dr. Drew does what he does — for you.
WisdomToWealth #RetirementPlanning #FinancialFreedom #RetireWithConfidence
Are you an educator wondering if your pension alone will truly secure your retirement? Welcome to “Retirement 101: Securing the Golden Years for Educators,” an eye-opening episode of Wisdom to Wealth with trusted advisor Drew Stevens. With warmth, experience, and practical advice, Drew shares real stories of teachers and professors who discovered too late that relying solely on a pension can leave gaps — and what they could have done differently.
In just one listen, you’ll uncover the most common retirement pitfalls educators face — from overlooked 403(b) contributions to outdated beneficiaries — and learn simple, powerful steps to protect your future income, health care, and loved ones. Drew breaks down complicated topics like Social Security’s Windfall Elimination Provision (WEP) and shares insider strategies to maximize every dollar you’ve earned.
If you’ve spent a lifetime shaping young minds, it’s time to shape your own financial freedom. Tune in, take notes, and take action with Drew’s proven roadmap for educators who want to retire with confidence and peace of mind.
Listen now — because your golden years should be as rewarding as your career.
Welcome to Wisdom to Wealth with Dr. Drew Stevens, where we help women rebuild financial confidence after life’s hardest losses. If you’ve recently lost a spouse or gone through a divorce, you’re not alone — and your financial journey doesn’t have to be overwhelming or isolating. In this episode, Drew sheds light on why so many widows and divorcées feel unheard and underserved by their financial advisors, and offers compassionate, practical guidance on how to find a trusted partner who truly puts your needs first.
Drawing from over 40 years of experience and personal insights, Drew shares the importance of empathy, partnership, and clear communication in financial planning. Discover how to turn grief and uncertainty into empowerment and independence through holistic strategies tailored specifically for your unique circumstances.
If you’re ready to own your financial future with confidence and dignity, this episode is for you. Tune in, and take your first steps toward transforming your wealth — and your life.
FinancialConfidence #WidowsAndDivorces #WomenAndWealth #FinancialEmpowerment #WidowFinance #DivorceRecovery #MoneyAfterLoss #WomenInvestors #FinancialPlanning #EmpoweredWomen
Did you know 93% of small business owners overpay their taxes every single year? In this eye-opening Wisdom to Wealth episode, Dr. Drew Stevens reveals exactly why so many smart, hardworking entrepreneurs fall into the tax trap — and how you can legally break free.
Most CPAs do a great job filing last year’s numbers but miss opportunities buried deep in the 75,000+ page U.S. tax code. From overlooked credits like the R&D Tax Credit and the Work Opportunity Tax Credit to underused deductions under Section 199A, money is left on the table year after year.
Learn why passive owners lose an average of $11,000–$35,000 annually and how strategic, year-round tax planning turns taxes from an expense into a profit center. Drew explains how to pick the right business entity, time purchases smartly, and design tax-saving retirement plans.
Stop funding the IRS more than you owe — start putting those dollars back into your business, your family, and your legacy.
Tune in on Podbean, Apple Podcasts, and Spotify, and visit www.wisdomtowealth.com for details on Drew’s upcoming tax and retirement seminars.
Your wisdom is your wealth — protect it today!
TaxStrategy #SmallBusinessOwner #WisdomToWealth #KeepMoreMoney
In this powerful episode of Wisdom to Wealth, Dr. Drew Stevens tackles one of the biggest financial threats retirees face today: rising healthcare and long-term care costs. From employer-covered healthcare disappearing at retirement to shocking statistics from Fidelity and Genworth, you’ll learn why this expense can quietly drain your nest egg if left unplanned. Drew shares real stories — like Linda and Tom’s sudden $9,000-a-month wake-up call — to show what’s at stake when medical costs hit hard and fast.
You’ll discover practical solutions, from budgeting for Medicare and Medigap to exploring long-term care insurance, self-funding options, and tax-smart strategies for business owners. Drew also explains how the Excel Empire CTBA Certification can protect more of your life’s work when selling a business.
Don’t wait until a crisis strikes — get ahead of healthcare inflation, market downturns, and income drain. Listen in, share with family and friends, and take simple actions to protect your wealth and legacy today.
Listen now on Podbean, Apple Podcasts, and Spotify — and visit www.wisdomtowealth.com for exclusive tools and events.
Be well, be prepared — and keep turning your wisdom into wealth.
RetirementPlanning #HealthcareCosts #LongTermCare #WisdomToWealth
In this episode of Wisdom to Wealth, Dr. Drew Stevens pulls back the curtain on the beloved 529 college savings plan — and reveals why it might not be the smartest legacy gift you can give. With college enrollment dropping and skilled trades rising, today’s families need flexible strategies to protect their wealth and empower the next generation’s dreams. Drew shares real stories, practical alternatives like cash value life insurance, UTMA/UGMA accounts, and family trusts, and explains how each option keeps your hard-earned money working with purpose — not penalties. If you’re ready to build a legacy that adapts to life’s changes, tune in now. Share it with your family, take notes, and walk away with proven tools to shape a future that’s about more than money — it’s about freedom, security, and impact.
WisdomToWealth #LegacyPlanning #RetirementWisdom #FamilyTrusts #529Plan #SmartGifting #FinancialFreedom #EstatePlanning #RetirementPlanning #GenerationalWealth
In this powerful episode of Wisdom to Wealth, Dr. Drew Stevens—your Retirement Professor—reveals the hidden dangers lurking in traditional retirement plans. That so-called “safe” balanced portfolio may actually be undermining your future.
You’ll hear the eye-opening stories of retirees like Bob, Carol, and Linda—real people who followed conventional advice only to face devastating financial stress later in life. This episode is especially vital for single women over 65, who often face longer retirements and greater financial risk.
Learn how to move from blind growth strategies to smart, sustainable income planning with tax efficiency, risk management, and guaranteed income sources.
This episode could transform your retirement.
📅 And don’t forget to register for our free Social Security & Tax Seminars on July 15 and 17 at St. Charles Community College. Limited seats!
🎙️ Hosted by Dr. Drew Stevens – Fiduciary. Author. Retirement Advocate.
Are you quietly stressing about retirement, or wondering if your current plan is built on hope instead of strategy? In this episode of Wisdom to Wealth, Dr. Drew Stevens tackles the retirement questions most people are afraid to ask — and most advisors avoid. From how much you really need to retire, to Social Security timing, tax traps, market risks, and longevity fears, we unpack the hidden issues that can derail your financial future. Featuring real stories, practical strategies, and powerful insights, this is your no-nonsense guide to retiring smarter, not just older.
🎯 If you want clarity, confidence, and control in your retirement plan, this episode is your wake-up call.
👉 Download your free Retirement Clarity Kit and schedule a 15-minute call at wisdomtowealth.com.
WisdomToWealth #RetirementPlanning #FinancialFreedom #TaxSmartRetirement #RothConversion #SocialSecurityTiming #RetirementRisks #BucketStrategy #LegacyPlanning #MoneyWisdom
A tax tidal wave is coming — are you prepared?
In this high-stakes episode of Wisdom to Wealth, The Retirement Professor exposes the looming 2025 tax code sunset and what it could mean for your retirement, your business, and your family legacy. From disappearing deductions and vanishing credits to surprise tax hikes for high earners — this isn’t speculation. It’s the writing on the wall.
You'll discover:
- Six critical tax changes that could upend your financial strategy
- Why Roth conversions and QCDs may be your best move in 2024
- How to protect your retirement income and legacy from being drained by Uncle Sam
- Real-life client stories and strategies already in motion
This is your early warning system — and your action plan. Don’t wait until next April to realize you missed the window. Tune in, take notes, and take control.
👉 Schedule your complimentary Tax Forecasting Session today and be the architect of your financial future.
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What if everything you’ve worked your whole life for ended up in the wrong hands—or worse, torn apart by court fees and family conflict? In this powerful episode of Wisdom to Wealth, Dr. Drew exposes the 7 most dangerous estate planning myths and reveals the 5 smart moves you must make in 2025 to protect your legacy. This isn’t just about wills and trusts—it’s about honoring your life’s work and safeguarding your family’s future. Whether you think you’re “too young” or “not wealthy enough,” this episode will challenge your assumptions and give you the clarity and tools to take control—before someone else does.
🎧 Listen now—and take the first step toward peace of mind.
Then, join us at the Estate Planning Seminar on May 13 & 15 in Wildwood.
WisdomToWealth #EstatePlanningMatters #LegacyProtection #RetirementReadiness #FinancialClarity
Welcome to another episode of Wisdom to Wealth, where experience meets strategy to help you make smarter money moves. I’m Drew Stevens founder of Wisdom to Wealth, a fiduciary, speaker, and author with over 40 years of Wall Street wisdom under my belt. Today, we’re diving deep into a topic that could quietly undermine your financial future: Are you working with a broker—or a true fiduciary? The difference matters more than most people realize. In this episode, I’ll walk you through the five telltale signs that your “advisor” may actually be a broker with hidden agendas. We’ll talk facts, real-life examples, and what to do next to protect your assets, your income, and your legacy. If you care about transparency and financial integrity, you can’t afford to miss this. Let’s uncover the truth—together.
WisdomToWealth #FiduciaryAdvice #FinancialFreedom #RetirementPlanning #WallStreetWisdom #MoneyMatters #FinancialLiteracy #InvestorAwareness #WealthBuilding #SmartInvesting #AvoidBrokerBias #SecureYourFuture #PodcastForRetirees #FinancialIntegrity #WealthStrategy
In this powerful episode of Wisdom to Wealth, Drew—fiduciary, Wall Street veteran, and financial strategist—dives headfirst into one of the most controversial narratives making waves today: Trump’s “Planned” Stock Market Collapse. Is there real evidence behind the claim, or is it just headline hysteria? Drew unpacks the economic policies, market history, and political context behind the speculation,
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WealthPreservation
Debt and retirement rarely mix — yet millions carry balances that silently drain their freedom. In this episode of Wisdom to Wealth, host Drew Stevens, “The Retirement Professor,” tackles the tough truth: debt isn’t just a burden, it’s a threat to your lifestyle. With over 40 years of frontline financial experience, Drew unpacks why debt is so dangerous in retirement, shares powerful real-life stories, and gives you four proven strategies to eliminate it — including how to pay down your mortgage and boost your credit score before it counts. Whether you’re five years from retirement or already there, this episode is your blueprint for cutting financial deadweight and gaining peace of mind. No fluff, just facts.
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Think your retirement plan is solid? Think again. In this episode, Drew Stevens pulls back the curtain on three dangerous myths that could derail your future: the outdated 4% rule, the illusion of diversification, and the false sense of security some advisors give you. You’ll hear real-world examples, discover smarter income strategies, and learn how to protect yourself from common, costly mistakes. This is your wake-up call—before it’s too late.
RetirementWakeUpCall #FiduciaryAdvice #RetirementPodcast #IncomePlanning #WisdomToWealth
Are you 100% sure your retirement plan is bulletproof? Or do you have that nagging feeling that something’s missing? In this eye-opening episode, seasoned financial expert and fiduciary Drew Stevens pulls back the curtain on five critical retirement secrets that most financial advisors won’t tell you—secrets that could cost you thousands, if not millions, over your lifetime.
From hidden tax traps to the devastating impact of inflation, market crashes, and longevity risk, Drew breaks it all down in a way that’s real, relatable, and packed with actionable insights. This isn’t your typical dry financial talk—this is straight talk about your future, with real-life examples, eye-opening statistics, and the no-nonsense guidance you need to protect your hard-earned wealth.
If you want to retire comfortably instead of cautiously, you can’t afford to miss this episode.
🎧 Listen now and take control of your financial future!
Hashtags:
RetirementSecrets #FinancialFreedom #FiduciaryAdvice #RetirementPlanning #SmartMoneyMoves #FinancialSuccess #TaxPlanning #InflationProtection #WealthManagement #MoneyMatters #SecureRetirement #FinancialAdvisor #RetirementReady
Are you ready to take control of your retirement income and stop worrying about market volatility? Whether you’re a couple who’s saved for decades or a single woman navigating finances on your own, having a sustainable, predictable retirement income strategy is crucial.
Today, I’m breaking down three powerful income tools designed to reduce your exposure to market chaos while ensuring you never run out of money. These strategies provide stability, security, and confidence—so you can enjoy retirement without financial stress.
If you're tired of feeling uncertain about your future, this episode is for you. Stay with me for the next 10 minutes, and at the end, I’ll give you a clear, actionable step to start securing your retirement income today.
Don’t miss this—your financial future depends on it!
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Retirement is supposed to be your golden years, not a financial guessing game! But too many retirees are falling into the same traps—losing money, missing benefits, and regretting decisions they can't undo. Today, we’re diving into the 9 biggest retirement planning blunders—and how YOU can avoid them! Buckle up, because this episode might just save your financial future!"
"Retirement planning isn’t just about saving money; it’s about making smart decisions with that money. Unfortunately, I’ve seen way too many retirees make mistakes that cost them comfort, security, and even peace of mind. So, let’s break down the 9 biggest retirement planning blunders and how you can sidestep them."
Today, we uncover what most financial experts don’t talk about—especially when it comes to Social Security. Today, we’re tackling the real issues threatening Social Security’s future, the hidden tax traps retirees don’t see coming, and three solutions that could actually fix the system for good. You don’t want to miss this!"
In today’s episode, we’ll explore why having a retirement strategy is crucial and introduce you to the Bucket Plan Strategy—a simple, effective way to ensure you have money when you need it, without the stress of market swings or economic downturns."
"So, whether you're nearing retirement or helping a loved one prepare, stay tuned because this episode is packed with practical advice you can use today!
Health Savings Accounts (HSAs) are one of the most powerful yet underutilized tools for building wealth in retirement—if you know how to use them right. In this episode, we break down how to supercharge your HSA, maximize tax-free withdrawals, and turn it into a secret weapon for healthcare costs and beyond. Whether you're nearing retirement or just getting started, we’ll show you how to unlock the full potential of your HSA.
Drew discusses his strategies to educate retirees making them financially healhier in their retirement strategy.
We delve into the dynamic landscape of retirement planning, exploring the critical issues surrounding the sunset of the Tax Reform Act. Learn how this crucial step not only ensures a safer retirement but also unlocks the potential for a tax-free financial future.
TaxReformAct #TaxStrategy #MarginalTaxRates #RothConversions #RetirementIncome #FinancialPlanning #TaxEfficiency
Unlock financial freedom with our podcast! Discover the pivotal reasons to part ways with your current financial advisor. From stagnant growth to missed opportunities, we delve into compelling insights that empower you to make informed decisions and navigate towards a prosperous and secure financial future. Tune in to transform your wealth journey!
Sarry Ibrahim founded Financial Asset Protection after learning about the Infinite Banking Concept (also known as the Bank On Yourself Concept). He saw this as an opportunity to save retirement accounts, real estate properties, and businesses from market failures and other risks. Sarry believes the number 1 rule to your money is to make sure it lives somewhere safe and accessible. As Sarry states when working with clients “it is never an either/or situation, it is a both/and situation.
Welcome my guest Beth Probst founder of Getting to the Core who helps families understand and get through the complexities of collegiate education.
We’re paying more at the pump, for food, for housing, and just about everything else. But for long-term investors – mostly everyone – short-term inflation isn’t the biggest risk to financial plans. Find out how it can help you with long-term financial planning on this next episode of Wisdom to Wealth. #retirement #millionairemindset #inflation #personalfinance
During this particular time where markets are quite unstable, due to buying and selling of stocks and bonds, now is a good time to understand when to buy, what to buy, and how the recession might be your friend.
Estate planning is all about protecting your loved ones, which means in part giving them protection from taxes and probate. Even just a bit of estate planning can enable couples to reduce much or even all of their federal and state estate taxes and state inheritance taxes. The podcast illustrates the importance and why.
http://drew-stevens.net/retirement-planning
estateplanning
68% of Americans do not have a will. Many people put off writing a Will because they believe it will be costly or difficult, that it is unnecessary because their possessions will automatically pass to their spouse or children, or simply to avoid thinking about their own death. A will is needed and I will show you why.
http://drew-stevens.net/retirement-planning
The difference between your retirement income and actual expenses is known as a retirement income gap and many with pensions or retirement have a drop of 30 – 40%. It's crucial to understand stated and unstated expenses. I will show you the reason to help this important topic.
http://drew-stevens.net/retirement-planning
Between having more disposable income, seeing your 401(k) balance grow healthier, and starting to weigh bigger life purchases – there is a lot to think about.There is also some question-creep that starts to show up:
- Are you saving enough?
- Are you investing correctly?
- Have you thought about risk?
- How about estate planning?
- What big purchases are coming up?
Retirement during a volatile market is unsettling. Whether you are on the cusp or have already made the leap, a market downturn's impact on your savings will be felt now and potentially for years to come. How do you keep your plan on track and your desired lifestyle in place?
There are currently about 300 state-administered and nearly 6,000 locally-administered public retirement plans.After six months of stock and bond market declines, those assets have likely dropped significantly, putting public pension plans in financial stress.
Too many individuals are too scared to retire and are withholding retirement because of market volatility. In just a couple of minutes I explain why you should not hold off on your retirement a live the life you always wanted to live
Hear No Evil, Speak No Evil See No Evil indicates a willingness to be in good mind, speech and action, and not dwell on evil thoughts. This episode shares with you how to do all that an more for a happy, peaceful and liquid retirement.
estateplanning #retirementplanning #retirementincome
My guest Larissa Steffen works with young individuals that struggle with debt and finances. Her experience in Psychology and Behavioral Finance will help dig into the why behind your actions. Why are you spending so much? Why can't you save? Why can't you stop using a credit card? We'll explore it all and give you practical solutions that don't leave you feeling restricted. This is an episode you cannot miss.
One of the problems with financial literacy is not understanding how to get the right information to make investment decisions. This podcast focuses on the ability to remain in control so that you have the right information for better future planning.
If you or your clients are concerned about life insurance, do not. Life insurance is as much an asset as other products. As long as cash is available for distribution, life insurance becomes an asset. Life insurance can be leveraged to mitigate risk and can provide multiple strategies for your legacy plan.
retirementplanning #estateplanning #lifeinsurance #terminsurance
There are two approaches to investing – passive and active. One requires a real time thorough monitoring system; the other longer-term and less costly. There is no right or wrong, strictly personal approach. This informative seminar offers both approaches so that professionals can help their clients with the best alternatives related to risk.
retirementplanning #investing
The media and too many social media advocates voice opinions about what is going on in the financial markets. The only way to know what to do with your money is simply to conduct the best research by yourself. Trusting others that spark rumor is not advice that is just bad judgment. Using your own head to make decisions keeps you more profitable and less stressful.
financialreseach #marketvolatility #retirement #estateplanning
There are too many individuals with too much poor advice given to you about financial markets. In order to play they game you need to know what to listen to and what to avoid. More importantly, there is both the active trader or the passive. This episode allows you to make the right financial decisions for your future and your needs.
A lot of times, we ask clients – what do you want to get out of your business? Whether it’s a sale down the road, family succession, or you just want to grow as fast as you can now, taking an outsider’s viewpoint can help. There are two critical questions we focus on to ensure business owners are optimizing their efforts.
We know that your business will fund your retirement plan, and potentially create a multi-generational family enterprise, but there's one area of risk you shouldn't be taking. That’s your estate plan. And most of the time – it’s not top of mind. Find out why an estate plan is crucial for the business.
Warren Buffet recently dissed on Financial Advisors saying they are bottom feeders. The fact is Financial Advisors serve a dire purpose. There is piss poor financial management conducted in schools so the right method is getting good advice from a professional that can help produce the liquidity and lifestyle you dream of.
2022 is here and we’re off and running.
Whether it’s working out more, prioritizing self-care, or spending less time on your phone - we’re all getting back to it, setting goals, and figuring out how we’re going to improve in the months ahead.
If you’ve found yourself worrying more about retirement planning over the last year, you’re not alone.
Almost half of Americans are reevaluating their retirement plans. And they’re also concerned about the potential for tax increases over the next several years. In this video, we’re going to cover what you can do to keep as much income as you can in your pocket, whether you’re working or retired.
As things normalize, people are getting future plans back on track and for many that means starting your own business.
There were 4.3 million businesses that filed paperwork last year, so if you’ve always wanted to be independent, you’re in good company. Here are tips on how to start.
Pre-retirement planning is one of the most challenging stages of the financial journey.
Retirement means you’ll be making choices:
Where you want to live
What your retired life will look like
How you’ll plan your days
We discuss the best methods to achieve success.
A recent study of small business owners conducted by Intuit uncovered surprising results. The study found that 40% of small business owners consider themselves to be financially illiterate. At the same time, 81% of them are doing their business' finances themselves.
Without understanding the numbers required to operate and sustain a business it is doomed for business failure. Take a listen to the tips needed to make you successful.
The recent pandemic and inflation has created a disproportionate way of working sales. Many selling professionals are using a "take it or leave it" tactic when speaking with prospective buyers. This not only turns people away the current opportunity but it also ruins any future business. There is a reason why so many in sales struggle - they lack the crucial methods that build long term customer relationships. Learn why building relationships is so crucial to selling.
We all get down on ourselves. It becomes very easy to beat ourselves up over not reaching goals, failure, slow accomplishments etc. However, we all need to look in the mirror, review what God created and realize that we must not be a victim but a victor to lead the life we desire. Listen on how you can be the person you desire to be.
There is a difference between being tactical and being strategic. The purpose of the business is a customer and without understanding how you are attracting and retaining them severely impacts your business. Found out tips and techniques for customer acquisition success.
In this episode drewstevens helps you to understand the importance numbers you need to have so that you have a sustainable business and lead profitable and wealthy organization.
When expanding business there are several choices such as debt and equity. Many believe debt is a good method for expansion while others view it as the devil. Many others believe that equity is great for expansion. Listen to Dr. Drew explore the Dark Side of equity place things into proper perspective and allow you to decide what is best for your business.
Many of the books and mentors never teach you the "dark side of business building." There are four areas that require your focus so that you can overcome odds and instantly create the business and profession of your dreams. In this episode I help you explore 4 "hidden areas" provide immediate change so that you propel your business into the dreams of your heart. I cannot wait to hear of your changes!!!!
Customer Service today is the pinnacle of creating the value and trust needed for your business platform. When you do not take care of customers you do not take care of your business. There is a tip that can provide you the power needed to accelerate your business to the next level.
We hear the word no as children and it becomes ingrained in us. Yes, we hate the term, as children, as adults as customers. Yet, No is not used often enough in business. In fact, it is crucial to use no to operate an efficient and cost-effective business. Learn how Drew Stevens gets you to use NO to increase profits, value and long term business success. Learn how NO will accelerate your business.