🔍 Financial Advisors; The Truth About Fees, Fiduciaries & Holistic Planning In this revealing episode of Retirement Done Right, hosts Pat Kalish is joined by Andrew Heuss to pull back the curtain on the financial advisory industry. We expose what "fiduciary" really means, break down hidden fees, and reveal what TRUE holistic financial planning looks like. 🔹 Key Takeaways: ✅ Industry Evolution: From 1970s stockbrokers to modern holistic planners - how the advisor role has transform...

How much do you really need to retire? The classic $1 million benchmark is a starting point, but is it your finish line? In this episode of Retirement Done Right, hosts David Rath and Pat Kalish, moderated by Andrew Heuss, tear apart the one-size-fits-all retirement number to reveal the hidden factors that truly determine if your nest egg is sufficient. We dive deep into the questions you need to be asking, including: The Lifestyle Test: Why your retirement spending habits matter more than an...

In this episode of Retirement Done Right, hosts David Rath & Pat Kalish are joined by Sarah Dorsey, CPA, to uncover five powerful, lesser-known tax strategies that can save you thousands and help you keep more of your hard-earned money. 🔹 Key Strategies Covered: ✅ Box Spreads: How to generate cash-like yield taxed at capital gains rates (not ordinary income). ✅ Section 351 Exchanges: Diversify a highly concentrated stock position WITHOUT triggering a massive tax bill. ✅ Mega Backdoor Rot...

🔒CYBERSECURITY FOR RETIREES: Protect Your Life Savings from Digital Threats In this critical episode of Retirement Done Right, hosts David Rath & Pat Kalish sit down with Mark Hurley, CEO of Digital Privacy and Protection and former FBI cyber expert, to expose the shocking vulnerabilities retirees face online—and the exact steps you can take to secure your digital life. 🔹 Key Takeaways: ✅ Password Myth Busted: Why your 8-digit password can be hacked in 1 second and the new 25-digi...

🏠 Navigating a Home Transition? Here's How to Make It Stress-Free 🏠 In this episode of Retirement Done Right, host Pat Kalish sits down with Erin Larkin-Maguire, founder of Good LineHomes, to unpack the emotional, logistical, and financial complexities of downsizing or relocating in retirement. 🔹 Key Takeaways: ✅ Custom Solutions – How to tailor a home transition to your unique needs (stay in your home, sell, or time a move perfectly) ✅ Case Studies – Real stories of retirees who unlocked e...

In this episode of Retirement Done Right, hosts David Rath & Pat Kalish reveal why Health Savings Accounts (HSAs) are the most underrated tool in personal finance—triple tax benefits, healthcare funding, and even retirement income boosts most people never discover. 🔹 Key Takeaways: ✅ The HSA "Triple Crown" – Tax deductions going in, tax-free growth, and tax-free withdrawals for medical expenses ✅ Pro Strategies – How to use your HSA as a "Stealth IRA" (pay out-of-pocket now, reimburse yo...

In this episode of Retirement Done Right, David Rath and Pat Kalish sit down with Cole Craven, co-founder of Move Health, to break down the complexities of healthcare planning for retirees—from Medicare vs. marketplace options to tax-saving strategies for early retirees. 🔹 Key Topics Covered: ✅ Pre-65 Healthcare Options – Cobra, marketplace plans, short-term insurance & more ✅ Medicare Explained – Parts A, B, C (Advantage), D, and Medigap supplements ✅ Tax Strategies – How income impacts...

In this video, Continuum Group’s CPA Sarah Dorsey breaks down the proposed One Big Beautiful Bill Act and how it could impact your tax strategy, retirement savings, and financial future. 📌 Key Topics Covered: ✅ Potential tax bracket changes – Will rates stay low or increase after 2025? ✅ Estate & gift tax exemptions – How the new bill could affect wealth transfer strategies. ✅ Child tax credit & standard deduction updates – What families need to know. ✅ Business tax implications – Pa...

Making the leap from accumulating wealth to spending it in retirement isn’t just a financial shift—it’s a psychological one. In this episode of Retirement Done Right, David and Pat explore what it takes to confidently transition from earning a paycheck to drawing income from your savings. You’ll learn: The Mindset Shift: Why so many retirees struggle to spend—and how to break free from that scarcity mentality.Stable vs. Variable Income: How to cover your essential expenses with predictable so...

In this episode, David and Pat break down the market chaos triggered by recent tariff announcements and explore how fear-driven headlines can wreak havoc on investor behavior. They dive into the emotional traps investors fall into, like recency bias and loss aversion, and share clear, actionable strategies to stay grounded. From tactical portfolio moves to behavioral finance insights, this episode is a playbook for turning market noise into opportunity. Follow Us YouTube LinkedI...

Most people approaching retirement have heard the usual advice: the 4% rule, the 25x rule, or the idea that you’ll only need 70–80% of your working income. But are these rules actually helpful or dangerously oversimplified? In this episode of Retirement Done Right, David Rath and Pat Kalish take a deep dive into the myths and realities of projecting retirement income. They explore where common rules of thumb can lead people astray and offer a more personalized, flexible approach to plan...

Estate planning is essential to ensuring your assets are distributed according to your wishes and your loved ones are protected. However, even the best intentions can go off track due to common mistakes. Here are four common estate planning mistakes to keep in mind when reviewing or preparing your estate plan. 1. Neglecting to Regularly Review Your Estate Plan Many people set up their estate plans with the right intentions but forget to regularly review their documents for accuracy. Life...