Podcast
Secure Your Retirement
Hosted by Radon Stancil, CFP® & Murs Tariq, CFP® · EN
Retirement is the plan. You worked hard to get where you are, now have a retirement that works hard for you.
If you want to achieve… confidence, peace of mind, control of your future, a rock-solid income plan, financial freedom, and unrestricted options in retirement this show is the right one for you! Retirement is approaching and you can’t afford to make mistakes with your money. In the back of your mind, there are concerns about what happens if there is another financial downfall as you are getting closer to having the life you have always dreamed about.
Radon Stancil, CFP®, and Murs Tariq, CFP® are dedicated to guiding you through knowing what questions to ask and what information to gather in order to feel 100% confident about your retirement plan. For more information visit: https://pomwealth.net/podcast
43episodes
Episodes
Newest firstAll episodes
Episode 379 - How to Build a Retirement Plan That Actually Fits Your Life
3d ago00:36:04Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon discusses what really happens inside a personalized retirement financial plan, walking through the exact process our Director of Financial Planning and Tax Strategy, Taylor Wolverton, uses with every new client. This episode is built for anyone thinking seriously about financial planning for retirement, whether you're still working, already retired, or somewhere in the middle trying to figure out how to retire without losing sleep over the numbers. Retirement planning strategies only work if they're built on your real accounts and your real goals, not a rough guess, and that's exactly what this conversation breaks down step by step.Listen in to learn about how a real retirement financial plan gets built from the ground up: mapping every account into a single clear picture, laying out retirement income planning around Social Security and required minimum distributions, and using a retirement spending plan to test what you can actually afford, including the big goals you've been putting off. If you're doing financial planning after 60 and wondering whether your retirement investment strategy and retirement cash flow can support the life you actually want, this episode shows you how that question gets answered with real numbers instead of guesswork.In this episode, find out:How a "blueprint" of your accounts reveals your true net worth, often higher than you'd guess in your headWhy retirement income planning has to map every source, Social Security, pensions, salary, and required minimum distributions, on its own timelineHow a retirement spending plan and goals section let you test big one-time expenses, like travel or a kitchen renovation, against your long-term numbersWhy a retirement financial plan gets projected all the way to age 90, and what a rising or falling balance actually tells youHow conservative assumptions on returns and inflation give your retirement checklist room to work even if the market underperformsTweetable Quotes:"I don't care how much money people have. They think they're going to run out." - Radon Stancil"It is hard for people to go from saving, saving, saving to spending, spending, spending, and it can be a scary transition." - Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 378 - Trump Accounts Explained - Part 2
1w ago00:29:16Tap to summarizeNew Trump accounts are now open for enrollment, and the question we're hearing from clients isn't whether they're worth considering. It's how they stack up against the accounts families have already been using for years, 529 plans, UTMA and UGMA custodial accounts, brokerage accounts, and Roth or traditional IRAs for kids. This episode is the follow-up to our first Trump accounts conversation, and it's the one to listen to if you're trying to figure out which account, or which combination of accounts, actually fits your family's goals.Taylor Wolverton, our Director of Financial Planning and Tax Strategy, joins Murs Tariq again to walk through each option side by side. They cover contribution limits, tax treatment, distribution restrictions, and the one detail about Roth IRAs that most social media advice leaves out entirely. There's no single best account here, and that's the point. The right strategy usually combines two or three of these tools, and this episode gives you the framework to figure out which ones belong in yours.In this episode, find out:Why Trump accounts don't require your child to have earned income, and how that changes the math compared to a Roth IRAHow the Trump-account-to-Roth conversion works once your child turns 18, and why timing it right could mean decades of tax-free growthWhat's changed about 529 plans that makes them far more flexible than the version most parents remember, including the new Roth rollover optionThe real trade-off behind UTMA and UGMA custodial accounts, and why control matters more than most families realize until it's goneThe one requirement missing from nearly every "open your kid a Roth IRA" post you see online, and what to do about it if your kids aren't earning yetTweetable Quotes:"There's not one that's just like, quote unquote, best. It really depends on what your goal is with these accounts and what you're trying to accomplish." — Taylor Wolverton"The Trump account kind of helps you navigate building that wealth without having to worry as much about earned income." — Murs TariqResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 377 - Trump Accounts Explained Eligibility - Benefits - Rules and How They Work
2w ago00:23:10Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Trump Accounts with Taylor Wolverton, our Director of Financial Planning and Tax Strategy, breaking down exactly how do Trump Accounts work, who qualifies, and why this new option for Trump Investments is quickly becoming part of the conversation around saving for children and investing for grandchildren. Retirement planning has always started with the accounts you already know, but these works differently, and if you're building a family financial planning strategy or looking for financial gifts for grandchildren, it's worth understanding before you decide whether it belongs in your plan.Listen in to learn about the eligibility rules, the contribution limits, and the one-time $1,000 government deposit that applies to certain children. Radon and Murs also walk through a Roth conversion strategy hiding inside these accounts, one that turns a simple child investment plan into a genuine tool for building generational wealth. Whether you're deep into your own retirement tax planning or just starting to think about a retirement checklist for your family, this episode connects a brand-new account to the same retirement tax strategies you may already be using in your own retirement financial plan.In this episode, find out:What a Trump Account is, who's eligible, and how the application process actually worksThe contribution rules, including the $5,000 annual limit and the one-time $1,000 seed deposit for eligible childrenHow employer contributions work and why they don't add to your taxable incomeThe Roth conversion strategy that can turn contributions into a tax-free retirement account for your childWhen money can be withdrawn, and the penalties to know about before that ageTweetable Quotes:"There's zero money to us in setting up a Trump account. We just wanted to talk it through, because there are real benefits people can take advantage of." - Radon Stancil"There's not many ways you can get a thousand dollars tax-free. If someone was born between 2025 and 2028, it seems like a no-brainer." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 376 - Concentrated Stock Positions How to Diversify and Minimize Capital Gains Taxes
3w ago00:21:39Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss Concentrated Stock Positions and why so many pre-retirees and retirees are sitting on a mountain of Appreciated Stock without a plan for it. Whether it came from Company Stock Options at a long-time employer or from riding a big name higher over the past few years, a single stock that grows into half a portfolio changes the entire risk picture heading into retirement. Radon and Murs break down why Stock Diversification matters more now than it did during your working years, and why Capital Gains Taxes are usually the real obstacle keeping people stuck.Listen in to learn about the Tax-Efficient Investing strategies Nick Hyman is using with clients to unwind large positions without triggering an unnecessary tax bill. You'll hear how Tax-Loss Harvesting through Direct Indexing can offset gains, how a Donor-Advised Fund can move highly appreciated shares to charity with zero tax on the gain, and how bracket-aware selling fits into a coordinated Retirement Investment Strategy. If you're building a Retirement Financial Plan and Company Stock Options or one big winning stock are part of the picture, this episode lays out exactly where to start.In this episode, find out:Why holding a large Concentrated Stock Position is a different risk in retirement than it was while you were workingHow Tax-Loss Harvesting and Direct Indexing can help offset gains when you sell Appreciated StockWhy bracket-aware selling, year by year, is central to smart Retirement Tax PlanningHow a Donor-Advised Fund lets charitably inclined retirees give appreciated shares without paying tax on the gainWhy doing nothing about a concentrated position only compounds the problem instead of solving itTweetable Quotes:"When we're working and we have a salary and income coming in, if a stock goes down 20, 30, 40 percent, it's not as big of a deal because there's still income coming in the door." - Murs Tariq"If you just stay in this place of doing nothing, you only are compounding the problem. It's not getting better." - Radon StancilResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 375 - The ROUTE to Retirement - A Complete Evaluation of Your Retirement Plan
Jul 1300:24:49Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss what really happens during an evaluation appointment, the first Financial Advisor Meeting most people have when they start exploring what it actually takes to plan for retirement. They break down the five critical areas that determine Retirement Success, known as the ROUTE to Retirement: Retirement Risk Management, Retirement Income Planning, Medicare Planning and Long-Term Care Planning under one unified healthcare umbrella, Retirement Tax Planning, and Estate Planning. If you've ever wondered what separates a real Retirement Financial Plan from a portfolio review with a nice title, this episode lays out exactly where most plans quietly fall short.Listen in to learn about why a simple one-to-ten risk question reveals more about your Retirement Readiness than any account statement ever could, how a written Retirement Investment Strategy and a real Social Security Planning conversation change decision making for the better, and why Retirement Tax Strategies put in place before the calendar year ends can outweigh almost any other move you make on the road to retiring comfortably.In this episode, find out:Why the risk scale used in every evaluation appointment skips the number seven, and what your honest answer reveals about your true Retirement ReadinessHow a written retirement income plan and clear Social Security Planning turn a stressful guessing game into a Retirement Financial Plan with actual data behind itWhy Medicare Planning and Long-Term Care Planning are treated as one Unified Healthcare conversation, and what a dedicated Medicare specialist changes about that experienceWhy most people's Retirement Tax Planning happens too late to matter, and how proactive Retirement Tax Strategies executed before December 31st can beat any adjustment to an investment strategyWhat a five-year-old estate plan gets wrong, and the real story of a client who needed updated documents in a single week before leaving for a cruiseTweetable Quotes:"Retirement planning is a bunch of knobs, and if you turn one, you're turning all the others." - Murs Tariq"It's something people don't want to talk about, and it's easy to procrastinate on it because, hey, I'm good, I'm healthy." - Murs TariqWhether you're years from retiring or already retired, this episode doubles as a retirement checklist for anyone planning retirement who wants a second look at whether their plan for retirement actually holds up across all five areas. Retirement isn't one decision; it's five connected ones, and this episode walks through exactly how those five come together to help you secure your retirement with real confidence instead of a guess.Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 374 - Markets, Rates, and Retirement A Mid-Year Economic Check-In
Jul 600:34:40Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss retirement planning 2026 with returning guest Tom Siomades, chief market economist, for a mid-year Economic Check on everything that's shaped the markets so far. From the Iran conflict's effect on oil prices and inflation to a new Kevin Warsh Fed chair trying to find footing amid inflation and interest rates that refuse to cooperate, this Markets update covers the headlines retirees are hearing everywhere and translates them into what actually matters for your plan.Listen in to learn about why stock market volatility has made 2026 feel like a tale of two markets, with AI stocks 2026 and tech stock names like SpaceX carrying much of the S&P 500 outlook while the rest of the economy absorbs energy prices US pressure and shifting consumer spending trends. Tom shares his honest read on recession risk, why Federal Reserve rate cuts have stalled out, and where the market uncertainty of the SpaceX IPO and the AI rally could go from here.In this episode, find out:Why 2026 has followed a strikingly similar path to last year, and what that pattern means for retirement advice going forwardHow the Iran conflict pushed oil prices and inflation higher, and why gas prices don't fall as fast as oil doesWhat Kevin Warsh Fed chair is up against, and why Federal Reserve rate cuts have all but disappeared from this year's forecastsWhy Tom is cautious about chasing AI stocks 2026 and tech stock hype, including his candid take on the SpaceX IPOWhat Tom is watching for the rest of the year, and why he still sees a path to retiring comfortably despite the market uncertaintyTweetable Quotes:"We sit here in the middle of 2026, and it's amazing how quickly it's gone by, but there's also been a lot of bumps in the road." – Murs Tariq, Secure Your Retirement Podcast"It's amazing if you think about how important oil is to just making the world go round, not just gas, but manufacturing, shipping, and every cargo carrier out there." – Murs Tariq, Secure Your Retirement PodcastWhether you're actively working on your retirement checklist or still in the early stages of planning retirement, this Economic Check is a reminder that a real Retirement Planning strategy has to hold up no matter what the headlines say. Retirement isn't about predicting the next SpaceX IPO or timing the next rate cut. It's about building a plan for retirement sturdy enough to absorb inflation and interest rates, tech stock swings, and everything in between.Resources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement! To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 373 - GLP-1 Medications and Medicare - What Retirees Need to Know
Jun 2900:30:47Tap to summarizeMedicare's new GLP-1 Bridge Program gives eligible retirees access to Wegovy and Zepbound for $50 a month — but there are three financial catches worth knowing before you enroll.In this episode of the Secure Your Retirement Podcast, Radon and Murs discuss one of the biggest Medicare developments of 2026 — the new GLP-1 Bridge Program, launching July 1, which allows eligible Medicare beneficiaries to access popular GLP-1 weight loss medications like Wegovy and Zepbound for a flat $50 copay per month. Joined by Peace of Mind Wealth Management's in-house Medicare specialist Sean Southard, they break down exactly what this program is, who qualifies, how the approval process works, and what the financial implications look like for retirees on fixed incomes.Listen in to learn about the three financial angles every retiree needs to understand before enrolling in the GLP-1 Bridge Program, including why that $50 copay sits completely outside your normal Medicare Part D protections, what happens when the program ends in December 2027, and how GLP-1 medications and Medicare prescription drug coverage fit into a broader retirement planning conversation around healthcare costs, budgeting, and long-term affordability.In this episode, find out:What GLP-1 medications are, why Medicare historically excluded them for weight loss, and what changed in 2026 to make the GLP-1 Bridge Program possibleWho qualifies for the program based on BMI and health conditions, and how your doctor submits a prior authorization request through Medicare's centralized systemWhy the $50 flat copay does not count toward your Medicare Part D deductible or annual out-of-pocket maximum, and what that means for your retirement budgetWhat retirees need to plan for when the program's temporary status ends in December 2027 and costs could jump significantlyThe health considerations and side effects of GLP-1 medications that matter most for older adults, and why this conversation belongs with your doctor and your financial plannerTweetable Quotes:"Retirees need to avoid assuming that this benefit program is going to be permanent forever. Plan for what happens if that $50 copay jumps back up to several hundred dollars a month." — Murs Tariq"This is both a healthcare conversation and a financial planning conversation. Retirees should evaluate long-term affordability, potential future coverage changes, and how chronic disease management fits into an overall retirement plan." — Shawn SouthardResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 372 - Why So Many Retirees Feel Financially Stressed - Even with Millions
Jun 2200:24:07Tap to summarizeIn this episode of the Secure Your Retirement Podcast, Murs and Nick discuss why retirement stress and retirement anxiety don't disappear when the account balance hits a certain number, and what it actually takes to plan for retirement with real confidence. Joined by Senior Wealth Advisor and Certified Financial Planner Nick Hymanson, they walk through the fears and financial stress that show up most often in client meetings, from losing the paycheck to navigating market volatility, long-term care planning, and the weight of protecting a surviving spouse. Whether you are retiring comfortably or still working toward that goal, this conversation gets honest about the gap between having money and having a plan.Listen in to learn about the five critical areas of retirement income planning that form the foundation of a secure retirement, including tax strategy for retirement, healthcare costs in retirement, estate planning, and how to build a financial checklist that actually prepares you for what retirement looks like day to day. Radon, Murs, and Nick explain how financial planning strategies like Roth conversions in retirement and a structured bucket approach to market volatility can shift retirement planning from something that keeps you up at night to something you trust completely.In this episode, find out:Why retirement anxiety hits even high-net-worth retirees, and how the loss of a paycheck changes the entire structure of a retirement planHow market volatility creates sequence of returns risk in the early years of retirement, and what tax strategies for retirees can do to protect against itWhat long-term care planning and healthcare costs in retirement look like inside a complete financial checklist, and why waiting too long to address them is one of the costliest mistakes in planning retirementHow Roth conversions in retirement and other proactive tax strategy tools can reduce your lifetime tax bill, especially in the years between retirement and required minimum distributionsWhy estate planning and protecting the surviving spouse belongs inside every retirement plan, and how the Peace of Mind Pathway™ addresses all five critical areas under one team, one plan, one feeTweetable Quotes:"The only way you overcome these fears is you talk about them. And the only way you get comfortable and confident is there's a plan around it that you can reference and revisit." – Murs Tariq"How do we structure things so there's less risk in the plan and things go the way someone wants them to go? That's what retirement income planning is really about." – Nick HymansonResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Transcribe →Episode 371 - The SpaceX IPO and Retirement Smart Opportunity or Risky Chase
Jun 1500:25:25Tap to summarizeIn this episode of the Secure Your Retirement Podcast, Radon and Murs discuss the SpaceX IPO and what retirement-age investors need to think about before making any decision with their savings. SpaceX began trading on June 12, 2026, at a $1.75 trillion valuation, the largest IPO in stock market history, and the questions from clients started pouring in almost immediately. Rather than telling you whether SpaceX is a good or bad investment, Radon and Murs walk through a clear, honest framework for making sure whatever you decide is driven by your retirement plan and not the noise of the moment.Listen in to learn about the real data behind how major IPOs have historically performed in their first year of trading, why your 401(k) or IRA may already be buying SpaceX without any action on your part, and the three questions every retiree should answer before putting retirement savings into any newly public company. Whether SpaceX is on your radar or you are simply trying to build better habits around big investment decisions, this episode gives you the tools to think clearly when the headlines get loud.In this episode, find out:What SpaceX actually is as a business, which of its three divisions is profitable today, and why the $1.75 trillion valuation is priced on the future rather than current earningsWhat the last 30 major IPOs over the past 15 years reveal about first-year performance, including an average maximum drawdown of 50% to 55% and why it happens around the six-month markWhy index rule changes mean millions of Americans may already be picking up SpaceX exposure through their existing 401(k) and IRA index fundsThe critical difference between making a trade and making a long-term investment, and why that distinction should shape the entire decision for anyone nearing or already in retirementThree questions to ask before buying any IPO, starting with the one that eliminates most bad decisions before they happenTweetable Quotes:"You can believe in a company and still decide that buying it at IPO price in week one isn't where your retirement money belongs." - Radon Stancil"Waiting twelve months to buy a stock you plan to hold for fifteen years is not missing out. It is just a longer on-ramp, and it might come with a significantly better price." - Murs TariqResources: If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!
Transcribe →Episode 370 - How to Lower Taxes in Retirement Before the End of 2026
Jun 800:18:50Tap to summarizeIn this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss some of the most effective ways to lower taxes in retirement before the end of taxes 2026. Drawing from more than 150 client tax strategy meetings conducted by Peace of Mind Wealth Management, they break down the Retirement tax planning strategies that delivered the greatest benefits to retirees. From charitable giving opportunities to Roth conversion strategy analysis, this episode provides actionable insights designed to help retirees make smarter decisions about their future tax liability.Listen in to learn about proven tax strategies including Qualified Charitable Distributions (QCDs), Donor Advised Funds, Tax Efficient Investing, Tax Loss Harvesting, and RMD planning. Whether you're focused on reducing retirement income tax, preparing for future Required Minimum Distributions, creating a comprehensive retirement checklist, or looking for ways to secure your retirement, this episode offers valuable guidance to help you maximize your wealth and keep more of what you've worked so hard to save.In this episode, find out:How a Qualified Charitable Distribution (QCD) can help charitably inclined retirees reduce taxes in retirement while supporting causes they care about.Why a Donor Advised Fund may allow you to maximize charitable deductions and improve your overall tax planning strategy.How Tax Efficient Investing and Tax Loss Harvesting can potentially reduce taxes and improve after-tax portfolio returns.Why Roth conversion analysis can help lower future retirement income tax and reduce the impact of future Required Minimum Distributions (RMDs).How proactive Retirement Planning and annual tax strategy reviews can help you plan for retirement, optimize your finances, and retire more confidently.Tweetable Quotes:"A Qualified Charitable Distribution is one of the few opportunities where you can put money into an IRA, receive the tax deduction, experience growth, and then ultimately distribute those dollars completely tax-free to charity." — Murs Tariq"Everyone should not do a Roth conversion, but everyone should do a Roth conversion analysis because the impact on lifetime tax savings can be substantial." — Radon StancilResources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.
Transcribe →