Your phone buzzes with a text message that appears to be from your bank:

"Did you authorize a purchase on your debit card at a local apparel shop today? Reply YES if you recognize this. Reply NO if you don't, and a fraud specialist will contact you."

You reply, "No." A minute later, your phone rings. The man on the other end is calm, professional, and sympathetic.

"I'm from the fraud department. I'm going to help you stop this unauthorized transaction. I sent a six-digit code to your phone. Just read it back to me."

You do. He thanks you. The call ends.

Minutes later, three transfers leave your bank account. You call your bank and manage to cancel one. But two transfers totaling thousands of dollars are gone permanently. And because you voluntarily provided the man on the phone with that six-digit code, the bank is likely not liable for your loss.

This is a hypothetical example of what the FBI calls "takeover fraud." But the reality is that scams like this are targeting more and more seniors every single day.

On today's show, we review the latest data from the FBI's 2025 Internet Crime Report and some best practices that can help keep your money and personal info safe.

Are you ready for the Great Wealth Transfer?

Financial analysts estimate that older Americans will pass on as much as $124 trillion of personal wealth to their spouses, heirs, and charities over the next 25 years.

And, unfortunately, much of that wealth won't survive for another transfer. According to one study, 42% of heirs fall back to their pre-inheritance net worth in about 12 months. Meaning that, due to poor planning or poor fiscal discipline, the money is gone.

Whether you're a senior fine-tuning your legacy plan, a potential beneficiary, or a caregiver who might be tasked with settling a loved one's estate, folks have to plan ahead to make sure that wishes are honored and wealth is preserved, potentially for generations to come.

On today's show, we discuss some best practices for managing inheritances at both ends of a family's wealth transfer and taking a generational approach to comprehensive financial planning.

"Tom and Linda" are a married couple. They're both 55-years-old. Tom works as an operations manager for a regional manufacturer, and Linda works in corporate finance. They are both targeting retirement at age 65.

Complicating that 10-year runway is a situation that's becoming more and more common among Tom and Linda's generation: they're "sandwiched" between taking care of Linda's parents, who are in their early 90s, and their 25-year-old son, who is still living at home with them.

On today's show, we explain how comprehensive financial planning can help couples like "Tom and Linda" manage complex, multigenerational family variables while maintaining progress towards their retirement goals.

Feeling happy?

That could be because spring has finally sprung here in the Midwest.

Or, more specifically, it could be because you're part of the Keen Wealth audience right here in Overland Park!

A recent report by WalletHub ranked the 182 "Happiest Cities in America." The researchers evaluated 29 "key indicators of happiness, including depression rates, income growth, and average daily leisure time."

Fremont, California topped the list, and half of the top ten were cities in sunny California and Arizona. But the Midwest had a strong showing, too. Bismarck and Fargo, North Dakota both made the top five. And coming in at number six was ... Overland Park, Kansas!

While it's certainly gratifying to see well-deserved recognition for our city, I've always felt grateful to be living and working here. Yes, the reasonable cost of living, centrality for travel to other parts of the country, and variety of outdoor activities are all wonderful. But the sense of community here is really special. My team at Keen Wealth experienced that firsthand recently when the Keen Wealth Foundation and Charitable Impact Committee, led by my wife Carissa, had the honor of serving as the entertainment sponsor for "Kids Night Out," a massive gala that raised $3.5 million for the Boys and Girls Clubs of Greater Kansas City.

Taking care of each other, in our communities and in our homes, is one of the most direct ways that a financial plan can boost your spirits. On today's show, we answer questions from two listeners who are thinking about how different generations of Americans can help each other enjoy more security and happiness in retirement.

It's "a tradition unlike any other."

The $1.50 pimento cheese sandwich.

Every year at the Masters, you'll hear TV commentators wax nostalgic about what makes the world's most famous golf tournament unique: the course, the history, the cell phone ban.

And those sandwiches, which, at the very first Masters in 1934, cost just $0.30. If the pimento and cheese had kept pace with the rate of inflation since then, today it would cost $7.50. But the $1.50 price tag has stuck since 2003.

Other than Costco hot dogs ($1.50) and Arizona Iced Tea ($0.99), there aren't many other examples of products whose prices have stayed flat over time. In the past couple of years, we've all had to cope with costs that have risen a little faster than we're used to, not just at the grocery store but at the pump and on our utility bills.

As we discuss on today's show, protecting your nest egg against inflation and other variable costs is an important part of a comprehensive financial plan, especially once you retire.

When I think about the start of spring, I think about spending the Easter holiday with my family, the colors returning to our green spaces, a little more sunshine, and maybe a shower or two.

Hail the size of baseballs? Not a part of my vision!

But that's what a massive storm brought to Kansas City a few weeks ago. Like so many folks, I'm still fixing broken windshields and dents on my family's cars and having my roof checked out.

Of course, none of us can control the weather. But we can prepare for the unexpected by buying insurance, keeping some emergency cash in our savings, and making home upgrades that protect our most valuable assets.

And, as we discuss on today's show while answering three timely listener questions, the same principle applies to financial planning. We can't control what's happening in the world or how the markets react to the news of the day. But we can be proactive about how we weather the storms of inflation and volatility.

The 2026 news cycle is spinning at a dizzying pace. Technology is rapidly upending how we work and live. With midterm elections on the horizon, our leaders in Washington are sharpening their visions for the future and policy proposals. And geopolitical tensions across the globe are giving investors something new to react to -- and worry about -- on a daily basis.

On today's show, we unpack some of the major stories we're monitoring and give you a clear-eyed perspective on the current economic outlook.

Matt Wilson, Keen Wealth's Chief Investment Officer and President, recently hosted an excellent webinar on Tax Planning Through the Four Stages of Retirement. In addition to providing a thorough overview of the tax issues that seniors should be prepared for, Matt also wanted to remind folks that the best time to ask questions about retirement is before you retire.

And I'm glad that several of our webinar attendees took Matt up on that offer!

On today's show, we discuss three follow-up questions to Matt's webinar that touch on not just taxes but also the value of working with a financial advisor on a holistic plan for retirement.