If you’re 55+ and still stuck in “one more year” mode, this episode is your wake-up call. I break down why endless accumulation can quietly rob you of your healthiest, most active retirement years—and how a clear, personalized plan can flip the script.
Inside, you’ll learn:
The “accumulation trap” that keeps moving the goalpost
How the Go-Go/Slow-Go/No-Go years really work (and why timing matters)
A real client story (“Mike & Susan”) who chose memories over marginal returns
The financial reality check: why many retirees need less than they think
The Red Zone Retirement Planning framework to cover needs with reliable income and fund wants with flexible income—so you never work a day longer than you have to
🎯 Want a personalized readiness review? Fill out the short questionnaire in the show notes and I’ll send you a custom video walking through your numbers and options.
Links:
Questionnaire (for your custom analysis): [Add link]
Work with Adam / Red Zone Retirement Planning: https://adamolson.biz
Books & resources: adamdolson.com
This content is for educational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including possible loss of principal. Any examples are hypothetical and do not guarantee future results. Past performance is not indicative of future outcomes. Retirement income plans depend on many factors, including market conditions, health, longevity, and personal spending. Guarantees, when referenced, are subject to the claims-paying ability of the issuing insurer. Adam Olson is a Certified Financial Planner™ professional. Opinions expressed are his own and may change without notice. Not affiliated with, endorsed by, or approved by the Social Security Administration or any government agency. Consult your own CPA, attorney, and financial advisor before making decisions.
Disclosures
How much you need to retire quiz: https://bit.ly/Adam-OlsonHere’s Why the New $6,000 Senior Bonus Deduction Could Change Your Retirement Tax Plan (2025–2028) 8431621.1Most retirees miss temporary tax windows. This one’s big. In this video, I break down how the new $6,000 senior bonus deduction (up to $12,000 for couples) can reduce your taxable income, who qualifies, and how to coordinate withdrawals, Social Security timing, QCDs, and HSAs to keep more money in your pocket during the 2025–2028 window. 1. Here’s Why the $6,000 Tax Break means...What you’ll learnWho qualifies and how the phase-out works (why MAGI management matters)Withdrawal sequencing to preserve the deduction and potentially drop tax bracketsHow to stack this with the senior standard deduction, QCDs, and HSA strategiesA real-world case study saving nearly $10,000 over four years without cramping lifestyleHow our Red Zone Retirement Planning process builds a multi-year income plan around this windowChapterswhy this matters
What the $6,000/$12,000 deduction isEligibility, phase-outs & MAGI
Withdrawal strategy optimizationTiming Social Security & Roth conversions Case study: Save ~$10k over four years How to stack with QCDs & HSAs Implementation framework (step-by-step) Takeaways & next stepsHelpful linksStart your Red Zone Retirement Plan (questionnaire): adamolson.biz/quizGrab a free copy of my book Red Zone Retirement Plan — comment “book” belowWork with us: adamolson.biz | adamdolson.comWho this is forPre-retirees and retirees who want a coordinated withdrawal plan that aligns guaranteed income to needs and invests for wants—while capturing temporary tax breaks when they’re available.DisclaimersThis video is for education only and not individualized tax, legal, or investment advice. Tax laws can change; consult your CPA/attorney for your situation. Mutual of Omaha and affiliates are separate from any tax or legal entity referenced.Hashtags#RetirementPlanning #TaxPlanning #SeniorBonusDeduction #RothConversions #QCD #HSA #RedZoneRetirement #FinancialPlanner #RetirementIncome #TaxStrategyInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn’t Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process helps you avoid them.What you’ll learnThe “tax torpedo” effect and why your MAGI matters more than your balanceHow IRMAA surcharges sneak up on high-income retireesWhy sequence-of-returns risk makes the first 5–10 years so criticalThe spending mistake that drains portfolios faster than you thinkRoth conversion windows (before RMDs/Medicare) most people missThe Go-Go / Slow-Go / No-Go framework to spend confidently and keep growingMy retirement frameworkWe align guaranteed income (Social Security, pensions, annuities, rental/dividends) to cover needs—then invest for wants (travel, hobbies, family) with a risk-right mix. Finally, we bucket assets for Go-Go, Slow-Go, and No-Go years so you’re protected early and positioned for growth later.Chapters00:00 Intro — The facts nobody tells you01:18 The tax torpedo (and how to defuse it)03:42 IRMAA & healthcare cost surprises06:05 Sequence-of-returns risk in plain English08:27 Smarter withdrawal guardrails (not just 4%)10:10 Roth windows before RMDs & Medicare12:04 The Go-Go / Slow-Go / No-Go plan14:20 Action steps & next movesWork with meIf you’re 5–7 years from retirement and want a clear, tax-smart income plan, let’s talk.📍 Adam Olson, CFP® — Red Zone Retirement Planning🌐 adamdolson.com | adamolson.bizEducational only. Not tax, legal, or investment advice. Consult your own CPA/attorney/financial professional. Investment risks include loss of principal. Mutual of Omaha Insurance Company and its affiliates. CFP® marks owned by CFP Board.#RedZoneRetirement #RetirementPlanning #TaxPlanning #RothConversions #RetirementIncome #SequenceOfReturns #IRMAA #SocialSecurity #GoGoYears #SlowGoYears #NoGoYears #WealthStrategy #FinancialPlanner #PreRetirement8426653.1Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://adamdolson.com/retire-quiz/Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonWhy Retiring at 65 is a Huge Mistake (and What to Do Instead)We’ve all been told the same story: work 40+ years, retire at 65, and then start living. But what if that timeline is completely backwards?In this video, Adam Olson, CFP®, breaks down why the traditional “65 and done” model no longer works — and how it could be costing you your best, healthiest years of retirement. You’ll discover:✅ The health realities that make retiring at 65 too late for many people✅ Why “65” became the cultural norm — and why it doesn’t fit today’s world✅ How to balance health and wealth so you don’t miss your most vibrant years✅ Strategies to avoid retirement shock and transition with confidence✅ The Red Zone Retirement Planning Process that helps you retire earlier — without sacrificing securityYour retirement shouldn’t be defined by a date on a calendar. It should be built around your health, happiness, and goals. With the right plan, you can retire earlier, on your terms, and enjoy the life you’ve worked so hard to build.📌 Take my free retirement readiness quiz here → https://adamdolson.com/retire-quiz/When you complete it, I’ll personally send you a custom video showing when you can retire with confidence.—🔔 Subscribe for more retirement strategies📖 Comment BOOK if you’d like a free copy of my Red Zone Retirement Plan book.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirement #investmentstrategy #investing #retirementsavings #financialfreedom #retirementplanning #finance #financialplanning #moneymanagement #retirementgoals #retirementincome Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
"How much you need to retire quiz: https://bit.ly/Adam-Olson🎯 Why Retiring at 65 Could Be Your Biggest MistakeFor decades, we’ve been told the same story: work 40+ years, retire at 65, and finally enjoy life. But what if that timeline is completely backwards?In this video, I’ll reveal:🧠 Why major health issues often hit right as traditional retirement begins🧱 How outdated cultural norms push people to work too long⚖️ Why wealth without health doesn’t equal true retirement success🧭 Strategies to transition gradually into retirement (and avoid identity shock)🧘 Simple lifestyle choices that add years of energy to your retirement🧩 The Red Zone Retirement Planning Process that helps you retire earlier, healthier, and with confidenceIf you’re aiming for financial freedom, health, and more time to actually enjoy your life, this video will challenge everything you thought you knew about “the right retirement age.”👉 Take the first step: fill out my short retirement readiness quiz here: https://adamdolson.com/retire-quiz/I’ll personally send you a custom video showing how to build a plan that balances health and wealth — so you never work a day longer than you want to.📚 Want more? Grab a copy of my book Red Zone Retirement Plan to learn how to design your retirement on your terms. https://adamdolson.com/books/🔔 Don’t forget to subscribe for more retirement strategies that help you retire smarter, not later.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirementInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences."Core Retirement & Finance Hashtags#RetirementPlanning #RetireSmart #RedZoneRetirement #RetirementIncome #FinancialFreedom #WealthPlanning #RetirementSavings #MoneyMasteryEarly Retirement & Lifestyle#EarlyRetirement #FIREMovement #RetireEarlier #FinancialIndependence #WorkOptional #RetireHappy #FreedomLifestyle #LiveOnYourTermsHealth & Longevity Focus#HealthAndWealth #LongevityPlanning #HealthyRetirement #WellnessAndWealth #RetireWell #EnjoyRetirement #RetirementHealthEngagement & Motivation#LifeAfterWork #PlanForFreedom #FinancialFuture #SmartMoneyMoves #RetirementGoals #DreamRetirement #RetireConfident
How much you need to retire quiz: https://bit.ly/Adam-Olson
Is the $1 million retirement target really the magic number everyone needs to hit? In this episode, Adam Olson, CFP®, breaks down why that benchmark is a dangerous myth that keeps people working longer than necessary. Instead of chasing an arbitrary lump sum, Adam introduces the Rule of $1,000—a simple framework to calculate how much you actually need based on your desired monthly income.
You’ll discover:
Why the “million-dollar myth” creates stress, burnout, and delayed retirements
How the income replacement approach (70–85% of pre-retirement income) reveals your true number
The role of Social Security, fixed income, and annuities in covering essential expenses
How to structure your money using the Red Zone Retirement Planning Process with the Go-Go, Slow-Go, and No-Go years
Smart tax and spending strategies that stretch your dollars further and reduce financial anxiety
Whether you’ve saved $300,000 or $3 million, this episode will give you clarity, confidence, and a blueprint for building a retirement plan that fits your life—not someone else’s idea of “enough.”
👉 Take the next step: Fill out the retirement questionnaire linked in the show notes, and Adam will send you a personalized video analysis of your retirement readiness.
🔔 Subscribe for more retirement strategies📖 Comment BOOK if you’d like a free copy of my Red Zone Retirement Plan book.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirement #investmentstrategy #investing #retirementsavings #financialfreedom #retirementplanning #finance #financialplanning #moneymanagement #retirementgoals #retirementincome Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I’ll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You’ll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don’t trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.👉 Fill out the questionnaire below, and I’ll send you a personalized video analyzing your specific situation and showing you how to apply these strategies for your dream retirement.https://bit.ly/Adam-Olson📘 For a deeper dive, check out my book Red Zone Retirement Plan and discover how to protect your income, reduce taxes, and retire with confidence.#RetirementPlanning #TaxFreeRetirement #RothConversion #RetirementTaxes #FinancialFreedom #TaxStrategies #RetirementIncome #wealthplanning Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I’ll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You’ll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don’t trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.👉 Fill out the questionnaire below, and I’ll send you a personalized video analyzing your specific situation and showing you how to apply these strategies for your dream retirement.https://bit.ly/Adam-Olson📘 For a deeper dive, check out my book Red Zone Retirement Plan and discover how to protect your income, reduce taxes, and retire with confidence.#RetirementPlanning #TaxFreeRetirement #RothConversion #RetirementTaxes #FinancialFreedom #TaxStrategies #RetirementIncome #wealthplanning Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Many assume that hitting a $2.5 million savings milestone means instant financial freedom in retirement. But as today’s episode reveals, having substantial wealth doesn’t automatically mean you’re ready to retire. One of the most complex situations financial advisors encounter isn’t a lack of money—it’s uncertainty, fear, and the challenge of transitioning from accumulating wealth to using it wisely.In this episode, host Adam Olson explores a real-life client case study: a couple in their early 60s with $2.5 million in retirement savings, yet they found themselves paralyzed by financial unknowns. From market downturn concerns to tax-efficient withdrawal strategies, they struggled with key decisions that kept them from stepping into the retirement they had worked so hard to achieve. The husband, despite financial security, remained tied to his job because his identity and purpose were wrapped up in his career.Listeners will gain powerful insights into: • Why a high net worth doesn’t guarantee retirement readiness. • The key financial and psychological roadblocks keeping people from retiring. • How to create a guaranteed income stream for retirement stability. • The importance of defining purpose beyond work to avoid an unfulfilling retirement. • How the right planning process can provide clarity, confidence, and financial peace.If you’re wondering whether you’re truly ready to retire—or if you’re stuck in financial indecision—this episode is a must-listen. Take the first step toward financial confidence by clicking the link below for a personalized retirement assessment and discover what’s truly possible for your future.“Retirement isn’t about reaching a magic number—it’s about building a plan that gives you peace of mind, financial security, and a purpose-driven future.” - Adam OlsonLearn more about Adam Olson by visiting the following links:FacebookPersonal WebsiteBusiness WebsiteRetirement Quiz--Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Most retirement calculators drastically underestimate what you’ll need to retire comfortably at age 60, leaving many people exposed to hidden financial risks. In this episode, Adam Olson reveals why traditional tools fall short and how you can build a smarter, more secure plan for early retirement.
Listeners will discover the overlooked expenses that hit hard between ages 60 and 65, like inflated healthcare costs, higher inflation impact, and elevated lifestyle spending, and why relying on the 4% rule alone can be dangerous. Adam also breaks down practical strategies from his Red Zone Retirement Planning process to help safeguard your nest egg through your most active retirement years.
Key Takeaways:
Most calculators ignore key factors like healthcare gaps, inflation, and sequence-of-returns risk.
Early retirees need 18–24 months of cash reserves to weather downturns and maintain Affordable Care Act coverage.
Planning Go-Go, Slow-Go, and No-Go phases helps avoid running out of money later in life.
Smart Social Security timing and diversified income sources are crucial for long-term success.
Want personalized help? Fill out the questionnaire below to receive a custom video analysis of your retirement readiness.
“Don’t risk your future on outdated assumptions; know the real numbers before you retire.” – Adam Olson
Learn more about Adam Olson by visiting the following links:
How Much Do I Need To Retire Article
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Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
For decades, the financial media has pushed the idea that you need to hit a magic number; $1 million, $2 million, or more, to retire securely. But what if that number is arbitrary? What if chasing it is actually keeping you from retiring with confidence?
In this episode, Adam Olson challenges the conventional wisdom around retirement planning and reveals why a one-size-fits-all savings target is not only outdated, it’s potentially harmful.
You’ll discover:
The three biggest myths keeping pre-retirees working longer than necessary
Why retirement is not about how much you’ve saved, but how much income you can reliably generate
How to replace retirement number anxiety with lifestyle-first planning
A practical, step-by-step strategy to align your income, investments, and lifestyle goals using our Red Zone Retirement Planning™ process
Whether you're years away from retirement or fast approaching it, this episode will give you a clearer path forward; one rooted in your actual needs, not arbitrary benchmarks.
“$1 million means nothing unless it’s attached to a life you actually want to live.” - Adam Olson
Learn more about Adam Olson by visiting the following links:
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Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
In this comprehensive episode, Adam is joined by Tad Pospisil of Ironhorse CPA and Advisors to discuss the recently signed tax bill, often referred to as the 'one big, beautiful bill,' and its impactful changes. They cover a wide range of topics including deductions for tip income and overtime, new opportunities for charitable giving, farm sales, and critical strategies that retirees and business owners need to know.
Tad, a seasoned CPA with extensive experience in agriculture tax planning and small business strategies, elaborates on bonus depreciation, section 179 expenses, senior deductions, the SALT deduction cap increases, and other significant tax savings opportunities. They also dive into specialized topics such as the MAGA Trump accounts for children's future savings, the extension of the QBI deduction, and expiring clean energy credits.
This episode is packed with valuable insights aimed at ensuring taxpayers make the most out of the new bill.
00:00 Introduction and Special Guest Introduction
00:59 Overview of the New Tax Bill
02:22 Tips and Overtime Income Deductions
08:03 SALT Deduction Cap Increase
11:18 Senior Deduction Bonus
14:57 MAGA Trump Accounts and Child Tax Credit
19:08 Benefits for Businesses
20:09 Increased Section 179 Deduction
20:39 Estate Tax Limits Update
21:37 R&D Credit Expansion
23:35 Farmland Tax Provisions
26:10 Qualified Business Income Deduction
27:25 Charitable Deductions for Non-Itemizers
30:01 Car Loan Interest and Clean Energy Credits
33:09 Real-World Tax Scenarios
35:17 Final Thoughts and Key Takeaways
This podcast is for educational purposes only and may include references to concepts that have legal or tax implications. It is not to be construed as legal or tax advice. Such information is subject to change without notice and is not intended as an offer or solicitation with respect to any security, insurance product, or offer of individual investment advice. Strategies discussed may not be suitable for everyone.
Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC.
In this episode, Adam Olson answers a critical question for anyone approaching retirement: Can your retirement truly survive on dividends alone?
With over a decade of experience helping clients retire with confidence, Adam has seen how dividend strategies, when used correctly, can dramatically enhance retirement income, provide tax-efficient cash flow, and reduce market risk. But most retirees either overlook or misuse this powerful tool.
In this video, Adam covers:
The Dividend Opportunity Gap and why most people miss it
How to structure dividend income in qualified and non-qualified accounts
Why traditional withdrawal strategies often fail in volatile markets
How to use ETFs vs. direct indexing for tax-efficient income
The Dividend Integration Principle: why dividends should be a cornerstone, but not the entire foundation, of your plan
The difference between haphazard dividend chasing and strategic dividend planning
High-level implementation steps you can take right now to optimize your retirement
If you’re a pre-retiree or retiree looking to build a sustainable, growing income that mimics a paycheck and protects your future lifestyle, this episode is a must-see.
“The most successful retirees use a layered approach that includes dividends, Social Security, and other fixed income sources.” - Adam Olson
Learn more about Adam Olson by visiting the following links:
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Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://adamdolson.com/retire-quiz/
When $1 Million Isn't Enough for Retirement: The Truth About Retirement PlanningIn this video, learn why $1 million might not be sufficient for your retirement and discover the key factors that influence the longevity of your retirement savings.
Expert financial planner Adam Olson breaks down how your retirement age, inflation, and withdrawal strategies impact your financial security.
He challenges the outdated $1 million myth and provides practical steps to create a reliable income strategy tailored to your unique needs.Understand the importance of timing, the flaws of the 4% rule, and how to build a dynamic retirement plan that adapts to real-life challenges.
This episode is essential for anyone looking to navigate the complexities of modern retirement planning.
00:00 Introduction: When $1 Million Stops Being Enough for Retirement
01:29 The Myth of the $1 Million Retirement Fund
04:07 The Impact of Retirement Timing
06:26 The Flaws of the 4% Rule
08:19 Inflation and Longevity: The One-Two Punch
09:38 Assets vs. Income: The Real Focus of Retirement
11:04 Building a Successful Retirement Strategy
13:53 Conclusion and Next Steps
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Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
8 Purchases to Avoid for a Financially Secure Retirement
In this episode, we explore eight costly purchases that can undermine your financial security during retirement. Based on experiences outlined in the 'Red Zone Retirement Plan' book, the focus shifts from merely saving money to making wise expenditures once you stop working.
We discuss common pitfalls such as buying new luxury cars, holding onto large homes, excessive travel, high-fee financial products, excessive family support, redundant healthcare insurance, costly hobbies, and impulse buying.
The video offers practical strategies to avoid these mistakes and present a structured approach to ensure a secure, stress-free retirement. Actionable steps include creating category-specific spending limits, utilizing age-adjusted income buckets, differentiating wants from needs, and automating core spending. Ultimately, the goal is to align your retirement spending with your important values and goals for long-lasting financial peace of mind.
00:00 Introduction: The Key to Financially Secure Retirement
00:53 Understanding Retirement Spending
01:41 Common Financial Pitfalls in Retirement
01:49 Luxury Vehicles: A Costly Mistake
02:51 Oversized Homes: Downsizing for Financial Health
03:42 Expensive Travel: Balancing Enjoyment and Savings
04:32 High Fee Financial Products: The Silent Wealth Killer
05:14 Family Financial Support: Helping Without Hurting
06:08 Healthcare Costs: Avoiding Overbuying
06:53 Expensive Hobbies: Fun Without Financial Strain
07:44 Impulse Purchases: The Sneaky Budget Wrecker
08:25 Implementing a Smart Spending Strategy
09:45 Creating a Sustainable Retirement Plan
14:25 Conclusion: Prioritizing Purpose Over Spending
📍 📍 Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
In this episode of the Money Mastery Unleashed podcast, host Adam Olson reveals the three dramatically different retirement lifestyles that the same $500,000 portfolio can create. After years of helping people retire, Adam discovered a shocking truth: your retirement experience is NOT determined by how much you’ve saved—but how you position it.
Most pre-retirees make small but critical mistakes that silently sabotage their retirement dreams. This episode walks you through the real-life consequences of those decisions—without any sugarcoating.
You’ll discover:
✅ The Constant Anxiety of Retirement — Why some retirees live in fear despite having $500,000
✅ The Comfortable but Constrained Retirement — Stable, but limited and full of trade-offs
✅ The Freedom of Retirement — The lifestyle you want without the stress
But here’s the kicker: they all start with the same amount of savings.
💡 Learn the 5 Retirement Positioning Strategies:
• Income Maximization
• Location Optimization
• Housing Strategy
• Healthcare Cost Management
• Tax Efficiency
With proper planning, even a modest nest egg can fund an abundant lifestyle. It’s not about how much—it’s about how well you position what you already have.
🎯 Want to know which retirement path you’re on?
Take the complimentary Retirement Lifestyle Quiz linked below. You’ll get a personalized video showing your retirement trajectory and how to improve it.
🔔 Don’t forget to like, comment, and hit the bell so you never miss future episodes!
Learn more about Adam Olson by visiting the following links:
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Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
10 Assets That Destroy Your Retirement Security
In this video, the host identifies 10 specific assets that can undermine retirement security, even for those who have saved over a million dollars. The discussion covers why the traditional milestone of $1 million is no longer sufficient, citing factors like inflation, longer retirements, and higher cost of living. The video delves into the financial pitfalls of expensive primary residences, vacation homes, luxury cars, RVs, boats, high-fee investments, structured products, jewelry, country club memberships, and living in costly cities. The host provides actionable strategies to defend against these wealth-destroying assets, emphasizing the importance of liquidity, strategic location choices, cutting unnecessary fees, and aligning lifestyle with a fixed income. Viewers are encouraged to fill out a questionnaire for personalized advice on optimizing their retirement plans.
00:00 Introduction: The Million Dollar Retirement Myth
00:45 The Erosion of Retirement Savings
02:42 Asset #1: Expensive Primary Residences
03:25 Asset #2: Vacation Homes and Timeshares
04:09 Asset #3: Luxury Cars
04:44 Asset #4: RVs and Boats
05:34 Asset #5: High Fee Investments
05:58 Asset #6: Structured Products and Whole Life Insurance
07:02 Asset #7: Jewelry and Collectibles
07:38 Asset #8: Country Club Memberships and Concierge Services
08:15 Asset #9: Living in Expensive Cities
08:55 Asset #10: Expensive Lifestyle Expectations
09:39 Wealth Preservation Strategies
11:34 Conclusion and Call to Action
11:54 Disclaimer
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Many believe that hitting the $1 million savings milestone automatically grants financial freedom in retirement—but that’s far from the truth. In this eye-opening episode, retirement expert Adam Olson breaks down why having a million dollars in your portfolio doesn’t guarantee peace of mind, freedom, or even the confidence to retire. He shares real-world client experiences, including Joe and Jennifer, a couple who had crossed the seven-figure threshold but still felt paralyzed when it came to spending.
Adam uncovers the emotional and practical reasons why retirees hesitate to draw from their savings, and how fear of running out of money leads many to live far more frugally than necessary. More importantly, he offers clear, actionable strategies to help you confidently transition from accumulation to distribution, so you can enjoy the life you worked hard to build.
In this episode, you’ll discover:
• Why income—not savings—is the key to retirement security
• The critical questions you need to answer before retiring
• How to create stable “retirement paychecks” that mirror your working years
• What the Red Zone Retirement Planning process looks like in action
• How to manage risks like market downturns, long-term care, and tax bombs
• How to use asset allocation, cash reserves, and guaranteed income for peace of mind
• Why planning for the Go-Go, Slow-Go, and No-Go years is a game changer
If you’re within 10 years of retirement or already there, this episode is a must-listen to help you rethink how to use your wealth with clarity and confidence.
Want personalized insights about your retirement readiness? Take the free Retirement Assessment today using the link in the show notes. After completing a short questionnaire, Adam will send you a custom video walkthrough with strategic guidance to help you build your ideal retirement plan.
“Having a million dollars saved doesn’t mean you know how to spend it in retirement.” - Adam Olson
Learn more about Adam Olson by visiting the following links:
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Investing involves risk, including loss of principal.
Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone.
Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein.
This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.
Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Top 5 Critical Investing Mistakes and How to Avoid Them | Fidelity Data InsightsIn this video, we reveal the critical savings and investing mistakes highlighted by Fidelity's data that undermine long-term wealth-building efforts. Learn how emotional investment decisions, poor portfolio management, and inappropriate risk levels can sabotage your financial success. Discover why market timing is detrimental, how to maintain a proper risk level, the importance of regular portfolio rebalancing, tax-efficient strategies, and the value of professional financial advice. Follow these proven strategies to optimize your investment portfolio and achieve superior long-term results.
00:00 Introduction: Common Investing Mistakes00:45 Mistake #1: Fleeing the Market During Volatility02:36 Mistake #2: Taking Inappropriate Risk Levels03:52 Mistake #3: Failing to Rebalance Regularly05:16 Mistake #4: Paying Excessive Taxes08:41 Mistake #5: Avoiding Professional Help09:53 Implementing Fidelity's Proven Principles11:10 Conclusion and Next Steps11:44 Disclaimer8109416.1
