Aaron Spitzner shares “buyer beware” situations with annuities and fraud, Jeff joins to examine what you should do with your 401k when you retire, and Aaron discusses strategies to avoid a big tax bill when you inherit an IRA.

The Retirement Clinic-9-7-24 – Buyer Beware

Jeff Kowal and Joe Still discuss things you should consider before retirement, examine the pros and cons of early retirement, and share common reasons why families argue over inheritances and how to avoid them.

The Retirement Clinic-9-28-24 – Considerations Before Retirement

On this week’s episode of "Keep What's Yours," hosted by Jeff Zufall, the senior tax strategist and wealth advisor with Capital Advisory Group, Jeff shares insights on tax loss harvesting, capital gains, and the benefits of combining tax and wealth advisory services. The discussion covers strategies for year-end tax planning, the implications of recent Fed rate cuts, and the future of Trump tax laws. The show also highlights the importance of managing Required Minimum Distributions (RMDs) for retirees to minimize tax liabilities and maximize savings. Listeners are encouraged to consult with Jeff to optimize their financial strategies and keep more of their money.

The IRS reports that small businesses overpay their taxes every year. Stop overpaying - Call Capital Advisory Group at 636-394-5524 today!


2024-11-23 Keep What’s Yours

Jeff Kowal examines retirement milestones and rules to keep in mind, Aaron Spitzner joins the show to discuss 4 changes to retirement accounts in 2025, and Jeff shares insights for the ultra-high net worth and the affluent.

The Retirement Clinic-1-25-25 – Retirement Milestones

Jeff Kowal and Chaunsy Weisensel examine the additional services and resources offered through Creative Planning and the events that push people to meet with a financial advisor, Jeff discusses some common IRA questions, and shares things you can do now to make your estate simpler for your heirs.

The Retirement Clinic-2-22-25 – Common IRA Questions

Aaron Kowal discusses why you should model your retirement plan more like a family office than a 401k to achieve a more comprehensive approach and touches on inherited IRA rules. Jeff joins to share insights regarding taxes on retirement income. Aaron wraps things up with purpose-based asset segmentation.

The Retirement Clinic-6-7-25 – Comprehensive Planning

Jeff Kowal and Aaron Spitzner share new reporting updates for 2025 qualified charitable distributions, discuss how much Americans are saving for retirement and determining how much they may need in retirement. Then Jeff and Aaron wrap things up by touching on five common financial mistakes people make when getting divorced.

The Retirement Clinic-6-14-25 – Are your saving enough for retirement?

Jeff Kowal discusses how sudden wealth can lead to financial mistakes and what you can do to manage it. Then touches on Americans using their 401k as an emergency fund, required minimum distributions, and social security. And wraps up the show with the dispute over Jimmy Buffett’s estate.

The Retirement Clinic-7-26-25 – How to Manage Sudden Wealth

Ready to supercharge your retirement strategy? In this episode of "Dollars and Sense," host Joel Garris tackles two of the biggest questions facing today's retirees: how to check off the 5 essential boxes for early retirement, and how to demystify Required Minimum Distributions (RMDs) so you can keep more of what you’ve earned. 

Discover the crucial steps you must take if you’re dreaming of leaving the workforce before age 65 — from navigating health insurance to maximizing your retirement contributions, deciding the best time to claim Social Security, and the importance of vanquishing high-interest debt. Then, get the inside scoop on RMDs: what they are, why they matter, how rule changes could impact your withdrawal strategy, and smart ways to avoid costly tax surprises. 

If you want to retire with confidence, avoid common pitfalls, and make sense of the latest financial rules, this episode delivers expert advice, practical tips, and a lively conversation designed to empower your financial future. Tune in now and set yourself up for retirement success! 

Your roadmap to retiring early and mastering Required Minimum Distributions

Jeff Kowal opens the show by answering common IRA questions clients are asking financial advisors. Later Chaunsy Weisensel joins to discuss the lack of progress workers are making with retirement savings. Then Jeff touches on considerations for aging in place and wraps up the show why you need to look at total planning, not just what you have in stocks.

The Retirement Clinic-11-15-25 – IRA Questions and Distribution Rules

Dollars & Sense with Joel Garris of Nelson Financial Planning is Central Florida's longest-running radio program. Joel is a CERTIFIED FINANCIAL PLANNER, a Certified Financial Fiduciary and a former corporate attorney who changes lives through successful planning.

Visit www.NelsonFinancialPlanning.com or call 407-629-6477 to schedule a free one on one conversation.

Offering securities through Nelson Ivest Brokerage Services, Inc, Member FINRA, MSRB & SIPC. Please note that these broadcasts are intended for general informational purposes only as individual situations may vary. The views expressed are those of the speaker and are subject to change at any time. Statements made should not be relied upon as a recommendation or solicitation. When discussed, past performance is no guarantee or indication of future results.

With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning.  Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.

You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. **This is a previously recorded show.**

New tracks tagged #required minimum distribution