Retiring before 65 can be financially achievable—until health insurance becomes the wildcard. Zach Morris sits down with Cole Craven of Move Health to break down the real options for early retirees: COBRA, Affordable Care Act (ACA) marketplace plans, retiree health coverage, off-marketplace private plans, and healthcare sharing programs. They unpack how income drives ACA subsidies through MAGI, why the 400% federal poverty level "cliff" matters, and how cost-share reductions can lower deductibles and out-of-pocket exposure. If you're within a few years of retirement, this episode helps you plan ahead with clarity.

For your custom healthcare analysis, send an email to: connect@pacesferrywealth.com

Learn more about PacesFerry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Download "Retirement by Design": https://www.wealthbeyondwork.com/retirement

In this crossover episode from our YouTube channel, Zach Morris breaks down how smart tax planning, strategic IRA withdrawals, and Social Security claiming decisions can dramatically impact your retirement income. He walks through qualified distributions, Roth conversion strategies, Social Security timing, and spousal benefit coordination, showing how intentional choices today can have the potential to reduce future taxes and increase long-term confidence. By understanding these moving pieces before retirement, you can avoid costly mistakes and create a clear, sustainable plan for the decades ahead.

Download your free 20-page guide "Retirement By Design": https://www.wealthbeyondwork.com/retirement

Learn about how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Retirement coach Joe Casey joins host Zach Morris to explore what truly drives fulfillment after leaving full-time work. Drawing on decades of executive coaching and gerontology research, Joe outlines the four core pillars—health, relationships, lifelong learning, and fun—that shape a meaningful next chapter. He shares common mistakes, insights from his coaching practice, and why experimentation is essential before and after retirement. Joe also discusses phased retirement, identity shifts, and how to design a purpose-driven "portfolio life." A concise, practical conversation for anyone preparing for their next stage.

Get in touch with Joe: https://www.retirementwisdom.com/

Email: joec@retirementwisdom.com

Download your Guide: "Retirement By Design" : https://www.wealthbeyondwork.com/retirement

Learn how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us/

In this episode, Zach Morris sits down with Leslie Pine, CEO of The Philanthropic Initiative (TPI), to explore what strategic philanthropy looks like in practice. Leslie shares insights from TPI's work helping donors and foundations align values, purpose, and impact across generations. They discuss the organization's founding by Peter Karoff, the evolution of modern philanthropy, and why intentional strategy matters more than ever in driving meaningful change. This conversation offers a clear, thoughtful look at how philanthropic leaders can move from good intentions to lasting impact.

Contact The Philanthropic Initiative: https://tpi.org/

or download their book, A Generous Life here: https://tpi.org/resource/a-generous-life/

Work with Paces Ferry Wealth Advisors: https://bit.ly/4qipSqf

Download "Retirement by Design": http://wealthbeyondwork.com/retirement

High-net-worth families are facing a new generation of targeted cyber threats—and traditional antivirus tools aren't enough. In this episode, Zach Morris sits down with Kerry Terry and Sarah Rosen of BlackCloak to break down how sophisticated attackers identify and exploit executives, spouses, and even children. They explore the rise of "Ocean's Eleven"-style hackers, the growing role of AI in impersonation scams, and the risks hidden in everyday behaviors like social media sharing and QR codes. Kerry and Sarah also outline practical steps families can take today to reduce exposure and strengthen digital protection across the entire household.

Get in touch with BlackCloak by emailing info@blackcloak.io or find more information at https://blackcloak.io/

Down your copy of "Retirement By Design": https://bit.ly/3McLXYV

Learn more about how to work with Paces Ferry Wealth Advisors: https://bit.ly/4rK3doE

In this YouTube crossover episode, host Zach Morris of Paces Ferry Wealth Advisors breaks down how donor-advised funds work and why they have become a leading tool for efficient charitable giving. He explores how DAFs compare with private family foundations, the tax advantages of using appreciated securities, and how front-loading donations can elevate long-term planning. Zach also highlights how donor-advised funds streamline recordkeeping, support legacy-focused giving, and create flexibility as financial needs evolve. Whether you're aiming to enhance tax efficiency or make a lasting philanthropic impact, this episode offers a clear, practical framework for using DAFs effectively.

Download your copy of "Retirement By Design": https://bit.ly/48U2Hg7

Learn how to work with Paces Ferry Wealth Advisors: https://bit.ly/4rFW9Jy

Estate attorney Ritesh Patel of Cohen Pollock Merlin & Turner joins host Zach Morris to clarify when a trust truly makes sense—and when it doesn't. We cover revocable living trusts for probate avoidance and privacy, how trustees differ from executors, and why beneficiary designations (POD/TOD) should match your plan. Ritesh explains step-up in basis, risks of retitling retirement accounts, using sub-trusts for heirs, and strategies for high-net-worth families, creditor concerns, and incapacity planning. If you've wondered "Do I need a trust?" this episode turns buzzwords into practical next steps.

Connect With Ritesh

Email /// Website

Phone: 770-857-4812

Download "Retirement By Design": https://bit.ly/RBDTrustswTesh

Learn About Paces Ferry Wealth Advisors: https://bit.ly/TrustTeshLAU