Tax season is almost over—but for retirees, the biggest opportunities may just
be beginning. What can you still do right now before the deadline—and what should you
be planning immediately after?

Reach out to Chris at baytrust.com or 813.820.0069

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Treat retirement like a championship: plan your offense (grow and diversify), lock down your defense (emergency fund, insurance, estate work), and use special teams—tax planning and Social Security—to win in tight spots. In this football-themed episode Chris Drew lays out an easy-to-follow playbook: set clear retirement goals, build a real spending plan, use multiple income layers (pension, Social Security timing, part-time work, and distributions), and rebalance your investment mix so the portfolio both grows and protects income.

On defense Chris covers the hard, practical stuff: emergency reserves, mortgage/debt management before you retire, long-term care options, liability protection, title/beneficiary checks, and why rolling from a 401(k) or taking a hardship withdrawal can derail a drive. Special-teams tactics include tax-efficient withdrawals, Roth/RMD sequencing, and squeezing value from higher interest rates and fixed-income alternatives (CDs, direct bonds, fixed-index annuities). Chris closes with red-zone advice for those 5–10 years out and the operational reports he runs (cost-and-risk, overlap) to turn momentum into a repeatable retirement plan.

Practical, plainspoken, and focused on building a retirement you can actually live on — with the defensive plays that stop one bad quarter from costing the whole game.

Want help turning this playbook into your personalized gameplan? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

High interest rates, volatile markets and recession talk mean the old retirement rulebook needs updating. In this episode Chris Drew walks through the retirement rules retirees still trust — the 4% distribution rule, the 60/40 stock/bond playbook, the “rule of 100/110” for asset allocation — and explains how each behaves today when rates, inflation and longevity all work against you. He shows which rules still make sense, which need recalibration, and how guaranteed building blocks (indexed annuities, lifetime-income riders, direct bond ownership) can replace fragile bond-fund allocations to stabilize income without surrendering long-term growth.

Chris also decodes Social Security timing (full retirement ages by birth year, penalties for working while claiming, survivor rules, and the 2035 funding risk) and the operational steps that turn headlines into a plan: run Monte Carlo stress-tests, perform an overlap/cost-and-risk review, revisit withdrawal sequencing and Roth conversion timing, and consider partial rollovers or indexed annuities as bond replacements. Packed with practical examples and a clear checklist, this episode is for anyone who wants an income-first retirement that survives bad markets and long lives.

Want help translating this into a distribution plan? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).

See omnystudio.com/listener for privacy information.

Congress quietly packed SECURE Act 2.0 with dozens of changes that matter to anyone saving for retirement — and in this episode Chris Drew walks through the pieces you can act on today. Learn which employer plans now allow Roth after-tax contributions (including SEP and SIMPLE IRAs) and how employers can match into Roth accounts, why a one-time $50,000 qualified charitable distribution matters, and which new exceptions to the 10% early-withdrawal penalty (qualified disasters, terminal illness, etc.) give you more flexibility when life goes sideways. Chris also clears up RMD confusion (the mandated RMD age is now 73 and why some custodians still mailed 72-year notices) and translates the headlines into a short action checklist: check plan menus for Roth/SEPs, coordinate Roth conversion timing with tax brackets, revisit your RMD and withdrawal sequencing, and meet with your advisor/CPA to lock in changes before year-end. Plainspoken, practical, and focused on turning new law into steps you can implement this summer.

Want help applying SECURE 2.0 to your plan? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.