Required Minimum Distributions (RMDs) aren’t just about taking money out of your
retirement accounts—they can also trigger a domino effect. One you might not see
coming? Bigger Medicare premiums. Another? Less of your legacy reaching your heirs
the way you intended.
And here's the kicker: You can follow all the rules, never miss a deadline, and still end
up paying more in healthcare costs and taxes just because of when and how your
RMDs hit. But with some smart planning, you can take control of the narrative—and
avoid those expensive surprises.

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

Retirement isn’t a finish line—it’s a launchpad. And like any big launch, timing and
preparation are everything. But let’s be honest… there’s a lot of noise out there. From
watercooler myths about taxes to one-size-fits-all rules about when to walk away, it's
easy to build your future on shaky assumptions.
Today, we’re breaking down two of the most important retirement questions:
● What’s real—and what’s just financial folklore?
● And how do you know when it’s truly time to say, “I’m done”?

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

Kiplinger recently highlighted their “Golden Rules” for a richer retirement—principles
that mix time-tested financial wisdom with modern realities. The core ideas haven’t
changed: stay invested, protect your health, secure steady income, and live with
purpose. But in 2025’s unique economic climate, how we follow those rules matters
more than ever. Let’s unpack them—and turn “stay invested” into a concrete strategy
you can use right now

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

Think of your annuity like a well‑worn roof on your home. It might still keep you dry, but
the materials have advanced, the warranties are better, and replacement could save
you money in the long run. The same is true for annuities. Many contracts purchased
before 2022 were built for a low‑rate environment—locking in payouts that felt fine then
but now lag far behind what’s available. In the past three years, fixed rates have nearly
doubled, and modern annuities come with features like inflation‑adjusted income,
partial liquidity, and smarter fee structures. But making a change isn’t always the right
move—you have to weigh surrender penalties, market value adjustments, and the value
of any guarantees you already hold. Let’s dig into how to decide whether your annuity
needs a patch, an upgrade, or to be left alone entirely.

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

We’ve all heard that timeless advice: “Save your money and buy a house—you’ll be
fine.” That may have worked for previous generations, but retirement today looks a lot
different than it did for our parents and grandparents. From longer lifespans and rising
health care costs to market volatility and tax burdens, today’s retirees face a unique set
of challenges. In this segment, we’re pulling back the curtain to explore why the
strategies of the past may fall short—and what modern-day retirees need to consider to
stay financially secure.

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

You’ve built your nest egg with care, but the way you draw down your savings can make
a huge difference in how long it lasts. Pulling from the wrong account at the wrong time
can trigger unnecessary taxes, push you into a higher bracket, or even raise your
Medicare premiums. So how do you create a tax-smart withdrawal plan that stretches
your money for decades?

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

In the wake of the April 2025 market downturn triggered by new tariffs, many investors
questioned the resilience of the stock market. However, the subsequent recovery has
demonstrated the market's robustness. Today, we'll delve into ten reasons why
maintaining a stake in the stock market continues to be a wise strategy, especially for
those focused on long-term growth and financial stability.

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.

The road to retirement is no longer a straight line—it’s more like a winding trail with
some unexpected forks. So the question is: do you have the right guide? In this
segment, we’ll unpack what to look for in a trusted financial advisor—because the
stakes are high, and the decisions you make now will shape the next 20–30 years of
your life. Let’s talk about how to choose wisely, avoid costly mistakes, and work with a
team that truly understands your season of life.
Don’t go it alone.

Reach out to Bruce at (800) 796-9912 or

https://www.premierswplanning.com/

See omnystudio.com/listener for privacy information.