Have you heard the saying what got you here might not get you there. In this episode Tony and D kick off a two part series based on a white paper from Mark and break down the first two areas your advisor should have on their radar to help maximize your wealth.

First they talk about the big picture. Investing matters, but taxes, estate planning, and business strategies matter too and missing them can cost you opportunities you cannot rewind. Then they shift to how a real plan handles major economic and world changing events, from COVID to market shocks to the current AI wave, and why your advisor’s job is to pull emotion off the table and stay disciplined when headlines get loud.

If you want a smarter framework for year end planning, legacy thinking, and staying ready for whatever the market throws next, this episode is for you.

In part two of this two-part series, Tony and Derek break down the remaining five retirement surprises that catch most people completely off guard. From boredom-driven overspending and down markets early in retirement to required minimum distributions, caring for aging parents, and why your money still needs to grow, this episode focuses on the real-life challenges retirees actually face.

This conversation goes beyond market returns and dives into planning realities that can derail even the best-looking retirement accounts. Whether retirement is around the corner or still years away, this episode highlights why having a real plan matters more than chasing performance.

Today on The Capitalist Investor, Tony is back in the saddle as we kick off a special two-part series on the biggest surprises people face in retirement. We break down the first five unexpected challenges retirees run into, including rising taxes, health insurance gaps, sequence-of-returns risk, inflation shocks, and longevity risk. These are the issues most people never plan for, but absolutely should. Tony and the team share real examples, practical perspectives, and the “cheat codes” you need to retire with confidence.

Join us next week for part two, where we cover the remaining five surprises no one warns you about.