This episode explores the softer side of retirement planning that many people don't fully consider.  Transitioning from daily work to retirement can bring changes to one's identity and purpose, social connections, mental and emotional health, lifestyle and routine, and spousal relationship dynamics.  We discuss many of the benefits -- and pitfalls -- we've learned through professional experience.

Pre-Retirement Planning:  How to Set Yourself Up for Success

Insurance premiums are one of the largest household expenses after taxes.  In this episode, we discuss the correct purpose of insurance, the different types that are prudent for a family to carry, and ways you can lower your premium while still having rock-solid coverage.

Protecting Your Future:  The Role of Insurance in Financial Planning

A continuation of the July 22nd show relating to the proper use of insurance in financial planning.  We discuss the correct purpose of insurance, the different types that are prudent for a family to carry, and ways you can lower your premium while still having solid coverage.

The Role of Insurance in Financial Planning - Part II

It seems anyone with a smart phone and a TikTok account can dispense financial advice these days.  Unfortunately, a lot of what you hear online is wrong.  In this episode, we expose common types of financial misinformation, why it's harmful, and how you can spot dubious claims.

Financial Misinformation on the Internet

Reverse mortgages have come a long way since their inception in the 1960's.  Today, they represent a flexible financial planning tool to help manage cashflow and get liquidity from an otherwise illiquid asset.

The Advantages of a Reverse Mortgage

This episode explores why even high earners often struggle to build wealth as their income rises. It explains how lifestyle upgrades—bigger homes, newer cars, and pricier vacations—quietly erode savings and financial security. Through relatable examples and data, the discussion uncovers the psychology behind lifestyle creep and its long-term costs. Listeners will learn how to spot warning signs in their own finances and adopt simple, practical strategies to stay grounded, save more, and achieve lasting financial freedom.

Keeping Up With The Jones:  The High Cost of Lifestyle Inflation

This episode explores how to enjoy your money guilt-free while still achieving long-term financial freedom. It covers why people often overspend or underplan for travel and hobbies, and how to shift toward intentional, values-based spending that maximizes joy. Listeners will learn practical ways to allocate funds, use dedicated accounts, and balance flexibility with discipline. Real-life examples show how thoughtful planning turns money into a tool for meaningful experiences—without sacrificing security or peace of mind.

Financial Freedom and Guilt-free Spending

This episode explores how to give meaningfully and strategically—whether to loved ones or charitable causes. It breaks down the full spectrum of gifting options, from cash and collectibles to donor-advised funds and charitable trusts, while explaining the powerful tax benefits of thoughtful giving. Listeners will learn how to maximize their impact, avoid common pitfalls, and align their generosity with their personal values. It’s a practical, feel-good guide to making every dollar you give this season count—for both you and the people or causes you care about most.

Financially Smart Gifting Ideas for the Holiday Season

As the year wraps up, Kevin walks through a checklist of smart money moves to consider before December 31st. He talks about checking your investment gains and losses, making any required IRA withdrawals, and deciding whether to add more to your retirement accounts before the deadline. The show also highlights chances to use HSAs and flexible spending accounts, and to double-check 529 college savings and other big upcoming expenses. Kevin touches on insurance and healthcare items that reset in the new year, so you don’t leave benefits on the table. 


Financial Planning Moves to Make Before Year end - Part I

Get your money ready for the new year with this special year-end checklist episode. We’ll walk through the key moves to think about before December 31—like tidying up your investments, checking on taxes, and making smart retirement contributions. You’ll also hear ideas for reviewing benefits, insurance, and your “big picture” plan so you start 2026 on solid footing. And since it’s the holidays, we’ll talk about thoughtful gifting and simple family money conversations that can bring everyone onto the same page.

Financial Planning Moves to Make Before Year End - Part II

A listener-driven radio show aired on WNIS AM790.  Objective, unbiased financial advice on all personal financial planning matters delivered by CERTIFIED FINANCIAL PLANNERS™.

Financial Planning Moves to Make Before Year End - Part II

Dollars & Common Sense

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