Retirement can feel exciting, but it can also bring a long list of financial “what ifs” that are hard to ignore. In this episode, Lee looks at some of the biggest fears pre-retirees face and explains why those concerns are easier to manage when they’re addressed before they become a crisis. The goal isn’t to eliminate every unknown, but to build a plan that gives you more clarity around the risks that could affect your future. Retirement gets a lot less frightening when you know what you’re preparing for.

Here’s what we discuss in today’s show:

👛 Running Out: Plan for lasting income

📉 Market Risk: Prepare before downturns happen

🏥 Healthcare Costs: Account for rising expenses

🛏️ Long-Term Care: Plan for future support

💔 Loss of Spouse: Organize before it’s urgent

🛡️ Scams & Fraud: Slow down and verify

Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

The best tax moves often happen before tax season begins. Lee explains why proactive, year-round planning can help you make more intentional decisions and keep your broader financial picture in view. By the time April arrives, many of the opportunities to change the outcome are already gone. Don’t wait until April to think ahead; the time to start is now.

Here’s what we discuss in today’s show:

❤️ Charitable Giving: Consider donor-advised fund strategies

💵 Withholding: Avoid unnecessary overpayments or surprises

🏥 HSAs: Build tax-efficient healthcare savings

📅 RMDs: Plan ahead for required distributions

🔄 Roth Conversions: Evaluate multi-year tax opportunities

📉 Tax Losses: Offset gains when appropriate

Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com

Roth conversions can sound straightforward, but the decision becomes much more complicated once taxes, retirement timing, and your broader financial picture enter the equation. In this episode, Lee explains why there isn’t a universal answer and why the years leading up to retirement can create an important planning opportunity. The real question isn’t simply whether Roth conversions are a good idea, it’s whether they make sense for you, and when.

Here’s what we discuss in today’s show:

🔄 Conversion Basics: Moving tax-deferred money into a Roth IRA and paying taxes today

📊 Tax Brackets: Evaluating current income against what taxes may look like later

⏳ Retirement Window: Why the years around retirement can create planning opportunities

🧾 Future Taxes: Considering RMDs, Medicare premiums, and taxes on inherited retirement accounts

📅 Gradual Strategy: Spreading conversions across multiple years instead of doing everything at once

Meet with us: http://talkwithjlp.com

📚 Looking for more financial education? Check out 👉 http://myretirementclarity.com