Podcast
Kickin' with The Rickens: Redefining Retirement
Hosted by Gerry and Heidi Provost Ricken · EN
Want to have FUN while listening to a financial podcast? Meet Ricken Financial’s father-daughter dynamic and hilarious duo Gerry Ricken and Heidi Ricken Provost. After listening to their podcast, you’ll feel like you are part of their family!
Gerry, Founder, CEO, and Licensed Insurance Professional has been in the financial industry for decades. He started Ricken Financial in 2008 to better serve the community and help people like his parents, who scrimped and saved their whole lives, retire with less stress. He is joined by his business partner and youngest daughter, Heidi, who serves as President and Investment Advisor Representative at Ricken Financial. Working together since 2011, they inform their clients to achieve the retirement they deserve.
Tune into Kickin’ with The Rickens: Redefining Retirement with co-host former MLB announcer Mark Owen’s and join in on the laughs as they cover topical news and trends in retirement.
Learn more about the Rickens online and on social: Facebook and Instagram
Insurance products are offered through the insurance business Ricken Financial, LLC. Ricken Financial, LLC is also an Investment Advisory practice that offers products and services through Impact Partnership Wealth, LLC (IPW), a Registered Investment Adviser. IPW does not offer insurance products. The insurance products offered by Ricken Financial, LLC are not subject to Investment Advisor requirements. 3276140 - 2/24
53episodes
Episodes
Newest firstAll episodes
Separating Annuity Myths From Retirement Reality
May 300:22:11Tap to summarizeAnnuities spark strong opinions, but understanding how they actually work can change the conversation. Gerry and Heidi Ricken unpack why annuities are often misunderstood, how modern options differ from what many retirees remember, and where they may—or may not—fit inside a broader retirement strategy. The discussion also explores asset preservation, market volatility, liquidity tradeoffs, and how misinformation spreads online. Along the way, they zoom out to what a true retirement plan includes, from income and taxes to health care, legacy planning, and purpose beyond the numbers. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →Why Average Returns Stop Mattering in Retirement
Apr 2800:18:35Tap to summarizeAverage returns, Social Security timing, and the 4% rule often sound reassuring—but reality is more complex. Gerry Ricken explains why these familiar ideas can mislead as retirement approaches and why sequence of returns, taxes, and income timing deserve more attention. The episode highlights how retirement planning changes once income replaces accumulation. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →The Hidden Tradeoffs in Retirement Withdrawals
Apr 2700:22:19Tap to summarizeWhich accounts should you pull from first in retirement—and why does it matter? Gerry Ricken addresses common assumptions about Roth accounts, pensions, and withdrawal strategies, explaining how taxes, required distributions, and income timing interact over time. The episode looks at why simple answers often overlook long‑term consequences. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →The Disconnect Between Retirement Assumptions and Reality
Apr 2100:17:27Tap to summarizeIs retirement really the phase where you spend less, worry less, and let investments do all the work? Gerry Ricken and Heidi Ricken Provost continue their conversation on common retirement myths—tackling Social Security fears, spending assumptions, and the belief that investments alone equal a plan. They break down why timing, income strategy, taxes, healthcare, and lifestyle choices all matter, and why retirement decisions are rarely one-size-fits-all. This episode reframes how to think about retirement planning beyond headlines and assumptions. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →Retirement Decisions That Look Simple—but Aren’t
Apr 1900:20:13Tap to summarizeCan you really handle retirement planning on your own without missing critical pieces? Gerry Ricken digs into more widespread retirement misconceptions, from DIY planning and annuity misunderstandings to Social Security timing, Roth strategies, and inheritance taxes. The discussion highlights how taxes, income structure, and timing decisions ripple through retirement, often in unexpected ways. This episode challenges common shortcuts and assumptions that can quietly reshape retirement outcomes over time. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →The Retirement Misconceptions That Create Confusion
Apr 1400:18:23Tap to summarizeSome retirement myths sound harmless—until they shape major decisions. This episode with Gerry Ricken & Heidi Ricken Provost tackles common misconceptions about taxes, income, and annuities, explaining why surface-level understanding often leads to confusion. The conversation emphasizes education, context, and asking better questions before acting. It’s a practical breakdown of ideas many retirees hear but few fully understand. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →Why Tax Season Is Really Year‑Round
Apr 700:24:17Tap to summarizeWhat does baseball season have to do with retirement taxes? This episode with Gerry Ricken connects America’s pastime with timely conversations around tax planning versus tax preparation. The discussion covers why filing taxes is just the starting point, how future tax decisions shape retirement income, and where hidden tax risks can quietly derail plans. Listeners hear why today’s tax environment matters, how planning differs from paperwork, and why proactive strategy can matter more than any single filing deadline. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →Baseball, April 15th, and the Truth About Retirement Taxes
Apr 500:42:39Tap to summarizeBaseball season, tax season, and retirement planning collide in this wide-ranging conversation about money, mindset, and misconceptions. Gerry Ricken breaks down the difference between tax preparation and tax planning, why many retirees are surprised by their tax bills, and how decisions made today can shape long-term outcomes. Along the way, he tackles common myths around Social Security, Roth accounts, RMDs, Medicare, and capital gains, while tying it all back to building a retirement rooted in purpose, clarity, and control. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →Planning for Care Before You Need It
Mar 3100:21:05Tap to summarizeLong‑term care is often ignored until it’s unavoidable. This episode with Gerry Ricken & Heidi Ricken Provost breaks down how people think about care, control, and independence later in life. The conversation explores care preferences, family impact, and the trade‑offs behind different planning approaches. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
Transcribe →What Baseball Season Can Teach You About Retirement
Mar 2900:44:07Tap to summarizeBaseball season sparks a bigger conversation about getting back to basics—this time in retirement planning. Gerry Ricken and Heidi Ricken Provost walk through where a retirement plan really begins, starting with purpose, daily life, and spending habits. The discussion breaks down how income planning fits together, from Social Security timing and pensions to multiple income streams designed to support long-term needs. Along the way, they connect familiar sports analogies to practical retirement decisions, emphasizing how thoughtful planning, flexibility, and understanding your numbers shape what retirement can actually look like. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com. Click here to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook | Instagram | YouTubeSee omnystudio.com/listener for privacy information.
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