How much you need to retire quiz: https://bit.ly/Adam-Olson
Roth conversions are powerful — but blindly converting everything can be one of the most expensive retirement mistakes I see.
In this episode, I break down why popular “convert it all now” Roth advice is built for clicks, not real retirement math. We’ll walk through the hidden tax traps most people miss, including:
When Roth conversions actually increase lifetime taxes
How Social Security timing changes the math completely
Why IRMAA Medicare penalties matter more than most realize
The difference between tax diversification and tax obsession
I’ll also share a real client example that shows how waiting — not rushing — saved tens of thousands in taxes and created more retirement flexibility.
If you’re in your late 50s or early 60s and thinking about Roth conversions, this episode will help you make intentional, strategic decisions instead of following generic internet advice.
👉 Want to see how this applies to your situation? Click the link and take my How Much You Need to Retire Quiz, and I’ll personally send you an analysis using my Red Zone Retirement Planning Process.
How much you need to retire quiz: https://bit.ly/Adam-Olson
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Claiming your retirement income in the wrong order can cost you hundreds of thousands of dollars over your lifetime. In this episode, Adam Olson, CFP®, breaks down the optimal sequence for pulling from your 401(k), starting your pension, and claiming Social Security — and why the order you choose dramatically impacts your taxes, income, and long-term security.
Most retirees make the same avoidable mistakes:
• Taking Social Security too early
• Delaying 401(k) withdrawals until it triggers huge RMDs
• Starting pension income before planning tax brackets
• Stacking income sources at the worst possible times
Using real client examples, Adam explains:
Why 401(k) first often delivers massive tax savings
When to turn on pension income for maximum stability
How delaying Social Security to age 70 unlocks the most lifetime value
How proper sequencing protects against longevity risk, tax shock, and market volatility
Why strategic timing—not just savings—determines retirement success
This episode gives you the framework to coordinate all three income sources so you get more lifetime income, pay less in taxes, and retire with far more confidence.
🎧 Listen now to learn the exact order to claim your 401(k), pension, and Social Security for maximum lifetime benefit.
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Most people think the 401(k) crisis happens because they didn’t save enough. The truth?
The real crisis happens when retirees fail to convert their nest egg into reliable, sustainable income.
In this episode, Adam Olson, CFP®, breaks down why so many hardworking savers still feel anxious at retirement—even with strong balances—and how to avoid the distribution mistakes that wreck thousands of retirements every year.
You’ll discover:
Why focusing only on accumulation creates panic in your 60s
The target-date fund trap that leaves many retirees overexposed
How “perfect-world projections” mislead and fail in real life
The income-conversion strategy that creates confidence
How the Red Zone Retirement Planning framework ensures your needs, wants, and lifestyle are protected in every phase of retirement
If you’ve ever wondered, “Do I really have enough?”—this episode gives you the roadmap to finally say yes.
🎧 Listen now and learn how to turn your 401(k) into a paycheck you can rely on for life.
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-Olson
Most people think retirement problems are solved by saving more.
But for Mike — a 60-year-old with over $1.2 million saved — the real breakthrough came from one simple fix: withdrawing smarter, not saving harder.
In this episode, Adam Olson CFP® breaks down the exact withdrawal sequence strategy that turned Mike’s retirement from anxious and unpredictable to smooth, tax-efficient, and fully structured for the next 30 years.
You’ll learn:
• Why focusing on net worth creates anxiety in retirement
• The withdrawal order that transformed Mike’s cash flow
• How guaranteed income, flexible income buckets, and long-term assets work together
• The tax moves that prevented Medicare penalties and RMD tax spikes
• How the Red Zone Retirement Planning Process™ creates predictable income for life
If you're approaching retirement and want confidence, clarity, and consistent income, this episode shows the exact system that makes it possible.
🎧 Take the Retirement Assessment mentioned in the episode to get your personalized retirement income video.
How much you need to retire quiz: https://bit.ly/Adam-Olson
📩 Or message the word BOOK to connect with Adam and request your customized Red Zone Retirement Plan™.
How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Most millionaires don’t fail because they didn’t save enough — they fail because they oversaved and never learned how to spend with confidence.
In this episode, Adam Olson, CFP®, breaks down the Oversaving Trap — the silent habit that keeps high-net-worth retirees working longer, worrying more, and living smaller than they need to. You’ll meet Nancy, a 64-year-old with $3.1M in savings who still feared retirement… until the Red Zone Retirement Planning Process completely reshaped her future.
You’ll learn:
Why oversaving becomes a psychological prison for even the wealthiest retirees
How large Traditional IRAs create RMD tax bombs, higher Medicare premiums, and Social Security taxation
How Red Zone Retirement Planning shifts you from accumulation obsession to lifestyle-first cash flow design
The two-bucket strategy that separates needs from wants
How strategic Roth conversions can eliminate future taxes and give you control
Why Go-Go / Slow-Go / No-Go planning creates smarter, more enjoyable spending
The mindset shift that finally gives retirees permission to live freely
If you’re within five years of retirement (or already retired), this episode will change how you think about money, freedom, and the purpose of saving.
👉 Want to know what this looks like for your retirement?
How much you need to retire quiz: https://bit.ly/Adam-Olson
Complete my retirement questionnaire, and I’ll send you a personalized video breaking down exactly how to optimize your savings, cash flow, taxes, and retirement lifestyle.
#RetirementPlanning #RedZoneRetirement #OversavingTrap #WealthStrategy #FinancialFreedom #RetireWithConfidence #CashFlowPlanning #RothConversions #TaxSmartRetirement #HighNetWorthRetirement
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-Olson
Most people think having a few million saved automatically guarantees a stress-free retirement. But when the paycheck stops, fear shows up fast. In today’s episode, I walk you through the real story of Dave and Dawn — ages 59 and 58 — who came to me with $2.8 million saved and one big question:
“Can we retire now and never work again?”
Using my Red Zone Retirement Planning Process™, we break down:
How to turn a nest egg into a reliable paycheck
How spending evolves in the Go-Go, Slow-Go, and No-Go Years
How to generate guaranteed income for essential needs
How to optimize taxes with strategic withdrawal sequencing
How to bridge healthcare before Medicare at 65
How to build confidence in early retirement without fear of running out
If you're 5–7 years away from retirement — or wondering whether you can retire early with a sizable portfolio — this episode gives you the roadmap, the math, and the mindset needed for clarity.
👉 Want your personalized Red Zone Retirement Plan?
Take the free questionnaire linked in the show notes and I’ll send you a custom video breakdown of your exact retirement scenario.
How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
#retirementplanning #earlyretirement #financialfreedom #retireearly #retirementpodcast #wealthbuilding #taxplanning #retirementincome #annuities #financialplanner #adamolsoncfp #redzoneretirement
Most people think retiring at 58 is “too early”… but after working with hundreds of pre-retirees, I can tell you — many could walk away years sooner than they think.
In this episode, I break down the framework behind early retirement and show you why the biggest retirement mistake isn’t leaving too soon… it’s waiting too long based on outdated assumptions.
You’ll hear the real story of Mark and Susan — a couple who came to me at 58 feeling unsure, unprepared, and afraid they didn’t have enough. With $1.8 million saved, a pension starting in two years, and a timely inheritance, we designed a strategy that allowed them to retire confidently, travel early, and enjoy their healthiest years instead of working through them.
In today’s episode, you’ll learn:
Why “the number” is one of the most misleading retirement myths
How retirement spending naturally drops 20–30% after leaving work
Why your late 50s may be your best health and energy window
The bridge-income strategies that make 58 retirement realistic
— pensions, Roth contributions, ACA planning, and part-time work
How regret prevention should guide your timing decisions
What a comprehensive 58-retirement plan actually looks like
How the Red Zone Retirement Planning Process™ supports early retirees
If you’re in your mid-50s and wondering whether you’re actually closer to retirement than you think, this episode will give you the clarity and confidence you need.
Want to see whether retiring at 58 works for you?
Take my free Retirement Readiness Quiz — and I’ll send you a personalized planning video based on your results.
How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-Olson
Most retirees don’t realize they’re falling into the 84% mistake—anchoring their retirement spending to Required Minimum Distributions (RMDs). JP Morgan’s research shows 84% of retirees withdraw only the minimum required amount, leading to chronic underspending, lost experiences, and higher lifetime taxes.
In this episode, Adam Olson, CFP®, breaks down why RMDs were never designed for lifestyle planning and how this mistake quietly undermines your retirement confidence. Using his Red Zone Retirement Planning Process, he shows how to:
Create reliable income for your needs
Build a flexible, inflation-adjusted spending strategy for your wants
Coordinate taxes and withdrawals to reduce lifetime taxes and leave a smarter legacy
You’ll also hear the real-life story of Nancy and Bob—a couple who went from anxious underspenders to confident retirees—after redesigning their income plan through Red Zone.
If you’re nearing or already in retirement, this episode will help you stop underspending, start living, and take control of your income instead of letting the IRS rules decide for you.
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Everyone talks about the magic retirement number — $1 million, $2 million, or more. But what if that number doesn’t actually tell you whether you’re ready? In this episode, Adam Olson, CFP®, breaks down the truth behind the $2 million myth and reveals why some retirees run out of money while others thrive with much less.
You’ll learn how taxes, inflation, and lifestyle choices can drastically change what your savings are really worth — and how Adam’s Red Zone Retirement Planning Process helps turn a lump sum into a lifetime income strategy.
Discover:
Why $2 million means something different for everyone
How location and lifestyle decisions can double (or cut in half) your spending power
How to segment your retirement assets into the Go-Go, Slow-Go, and No-Go years
What a realistic withdrawal rate looks like in today’s economy
If you want to find out whether your retirement plan can stand the test of time, take Adam’s free Red Zone Retirement Readiness Quiz at www.adamdolson.com
8575940.1
#RetirementPlanning #FinancialFreedom #RedZoneRetirement #RetirementMyth #WealthManagement #RetirementIncome #RothConversion #TaxFreeRetirement #RetireSmart #RetireRight #RetirementStrategy #FinancialAdvisor #RetirementLifestyle #InflationProtection #RetirementSavings
Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
What You Can NOW Do With $2 Million Saved — And What Most Retirees Miss
How much you need to retire quiz: https://bit.ly/Adam-Olson
Episode Description:
In today’s episode, Adam Olson, CFP®, breaks down the overlooked opportunities available once you’ve crossed the $2 million milestone. After helping countless high-net-worth families navigate the Red Zone Retirement™ years, Adam reveals the income strategies, lifestyle upgrades, tax efficiencies, and legacy planning tools that most retirees never realize they have access to.
You’ll hear a real case study of a client who retired confidently at 61 with $2.2 million—and the exact step-by-step framework Adam used to turn her savings into predictable income, lifestyle freedom, and long-term tax optimization.
If you have $2 million saved (or you’re approaching it), this episode will show you exactly how to use that wealth to create security, enhance your lifestyle, and build a meaningful legacy.
👉 Want a personalized retirement video?
How much you need to retire quiz: https://bit.ly/Adam-Olson
👉 Comment “book” to get a free digital copy of The Red Zone Retirement Planning Guide.
#RetirementPlanning #RedZoneRetirement #FinancialAdvisor #2Million #RetireEarly #WealthManagement #RetirementIncome #RothConversion #RuleOf55 #DividendInvesting #TaxPlanning #HighNetWorth #CFP #MoneyMasteryUnleashed
How much you need to retire quiz: https://bit.ly/Adam-OlsonInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
Reference:
https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/out-sight-out-market-ira-cash-drag.html?utm_source=chatgpt.com
Vanguard’s latest research revealed something shocking: most people over 55 are saving completely wrong.
It’s called the IRA Cash Trap — and it’s quietly destroying retirements across America.
In this video, Adam Olson, CFP®, breaks down:
✅ The billion-dollar blind spot Vanguard discovered that’s costing retirees hundreds of thousands.
✅ Why so many 401(k) rollovers end up sitting in cash — and how to find out if yours is too.
✅ A real-life story of “Joe and Deb,” who thought they were ready to retire… until they realized over $200,000 was sitting uninvested.
✅ How to immediately verify your IRA and fix this cash drag before it costs you years of growth.
✅ The Red Zone Retirement Planning process — how we help clients over 55 consolidate accounts, eliminate confusion, and build a confident retirement income plan.
💡 Here’s what you’ll learn:
Why IRAs don’t auto-invest like 401(k)s
How to spot the “settlement fund trap”
The real cost of leaving cash idle from 55 to 65
How to turn fear into a structured plan for retirement income
📘 FREE Resource
Comment “BOOK” below for a free copy of The Red Zone Retirement Plan
or
🎯 Click here to get a personalized retirement video analysis from Adam:
👉 adamolson.com
🧩 Chapters
00:00 Intro — Vanguard’s Warning
01:42 The IRA Cash Trap Explained
04:10 The Awareness Problem
07:55 Joe & Deb’s Story
11:20 The True Cost of Cash Drag
13:45 How to Verify Your IRA
15:30 Fixing It With Red Zone Retirement Planning
17:45 Final Call To Action
Even the most well-planned retirements can trigger massive, unexpected tax bills — but it doesn’t have to be that way.
In this episode, Adam D. Olson, CFP®, explains the unknown tax strategy that helps retirees reduce lifetime taxes by $50,000 to $200,000 — using Roth conversions, bracket management, and timing that most advisors overlook.
You’ll discover:
Why Required Minimum Distributions (RMDs) create a Retirement Tax Bomb
How to use the Conversion Opportunity Window between retirement and age 73
The annual Bracket Management Strategy that optimizes conversions
How to avoid IRMAA Medicare surcharges and Social Security taxation
And how strategic Roth planning creates a tax-free legacy for your heirs
💡 Case Study: Hear how Susan and Mark turned fear into freedom — transforming a potential tax disaster into a tax-free inheritance for their family.
This is one of the most powerful — and overlooked — moves in modern retirement planning.
🎯 Next Step:
Complete the Retirement Tax Optimization Questionnaire and get a personalized video showing how this strategy could work in your plan.
https://adamdolson.com/retire-quiz/
#RetirementPlanning #RothConversion #TaxFreeRetirement #RetirementTaxes #RedZoneRetirement #AdamOlsonCFP #FinancialFreedom #TaxPlanning #IRMAA #SocialSecurityTax #RetirementIncome #MoneyMastery #RetirementStrategy Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
If you’re 55+ and still stuck in “one more year” mode, this episode is your wake-up call. I break down why endless accumulation can quietly rob you of your healthiest, most active retirement years—and how a clear, personalized plan can flip the script.
Inside, you’ll learn:
The “accumulation trap” that keeps moving the goalpost
How the Go-Go/Slow-Go/No-Go years really work (and why timing matters)
A real client story (“Mike & Susan”) who chose memories over marginal returns
The financial reality check: why many retirees need less than they think
The Red Zone Retirement Planning framework to cover needs with reliable income and fund wants with flexible income—so you never work a day longer than you have to
🎯 Want a personalized readiness review? Fill out the short questionnaire in the show notes and I’ll send you a custom video walking through your numbers and options.
Links:
Questionnaire (for your custom analysis): [Add link]
Work with Adam / Red Zone Retirement Planning: https://adamolson.biz
Books & resources: adamdolson.com
This content is for educational purposes only and is not individualized investment, tax, or legal advice. Investing involves risk, including possible loss of principal. Any examples are hypothetical and do not guarantee future results. Past performance is not indicative of future outcomes. Retirement income plans depend on many factors, including market conditions, health, longevity, and personal spending. Guarantees, when referenced, are subject to the claims-paying ability of the issuing insurer. Adam Olson is a Certified Financial Planner™ professional. Opinions expressed are his own and may change without notice. Not affiliated with, endorsed by, or approved by the Social Security Administration or any government agency. Consult your own CPA, attorney, and financial advisor before making decisions.
Disclosures
How much you need to retire quiz: https://bit.ly/Adam-OlsonHere’s Why the New $6,000 Senior Bonus Deduction Could Change Your Retirement Tax Plan (2025–2028) 8431621.1Most retirees miss temporary tax windows. This one’s big. In this video, I break down how the new $6,000 senior bonus deduction (up to $12,000 for couples) can reduce your taxable income, who qualifies, and how to coordinate withdrawals, Social Security timing, QCDs, and HSAs to keep more money in your pocket during the 2025–2028 window. 1. Here’s Why the $6,000 Tax Break means...What you’ll learnWho qualifies and how the phase-out works (why MAGI management matters)Withdrawal sequencing to preserve the deduction and potentially drop tax bracketsHow to stack this with the senior standard deduction, QCDs, and HSA strategiesA real-world case study saving nearly $10,000 over four years without cramping lifestyleHow our Red Zone Retirement Planning process builds a multi-year income plan around this windowChapterswhy this matters
What the $6,000/$12,000 deduction isEligibility, phase-outs & MAGI
Withdrawal strategy optimizationTiming Social Security & Roth conversions Case study: Save ~$10k over four years How to stack with QCDs & HSAs Implementation framework (step-by-step) Takeaways & next stepsHelpful linksStart your Red Zone Retirement Plan (questionnaire): adamolson.biz/quizGrab a free copy of my book Red Zone Retirement Plan — comment “book” belowWork with us: adamolson.biz | adamdolson.comWho this is forPre-retirees and retirees who want a coordinated withdrawal plan that aligns guaranteed income to needs and invests for wants—while capturing temporary tax breaks when they’re available.DisclaimersThis video is for education only and not individualized tax, legal, or investment advice. Tax laws can change; consult your CPA/attorney for your situation. Mutual of Omaha and affiliates are separate from any tax or legal entity referenced.Hashtags#RetirementPlanning #TaxPlanning #SeniorBonusDeduction #RothConversions #QCD #HSA #RedZoneRetirement #FinancialPlanner #RetirementIncome #TaxStrategyInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn’t Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process helps you avoid them.What you’ll learnThe “tax torpedo” effect and why your MAGI matters more than your balanceHow IRMAA surcharges sneak up on high-income retireesWhy sequence-of-returns risk makes the first 5–10 years so criticalThe spending mistake that drains portfolios faster than you thinkRoth conversion windows (before RMDs/Medicare) most people missThe Go-Go / Slow-Go / No-Go framework to spend confidently and keep growingMy retirement frameworkWe align guaranteed income (Social Security, pensions, annuities, rental/dividends) to cover needs—then invest for wants (travel, hobbies, family) with a risk-right mix. Finally, we bucket assets for Go-Go, Slow-Go, and No-Go years so you’re protected early and positioned for growth later.Chapters00:00 Intro — The facts nobody tells you01:18 The tax torpedo (and how to defuse it)03:42 IRMAA & healthcare cost surprises06:05 Sequence-of-returns risk in plain English08:27 Smarter withdrawal guardrails (not just 4%)10:10 Roth windows before RMDs & Medicare12:04 The Go-Go / Slow-Go / No-Go plan14:20 Action steps & next movesWork with meIf you’re 5–7 years from retirement and want a clear, tax-smart income plan, let’s talk.📍 Adam Olson, CFP® — Red Zone Retirement Planning🌐 adamdolson.com | adamolson.bizEducational only. Not tax, legal, or investment advice. Consult your own CPA/attorney/financial professional. Investment risks include loss of principal. Mutual of Omaha Insurance Company and its affiliates. CFP® marks owned by CFP Board.#RedZoneRetirement #RetirementPlanning #TaxPlanning #RothConversions #RetirementIncome #SequenceOfReturns #IRMAA #SocialSecurity #GoGoYears #SlowGoYears #NoGoYears #WealthStrategy #FinancialPlanner #PreRetirement8426653.1Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://adamdolson.com/retire-quiz/Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonWhy Retiring at 65 is a Huge Mistake (and What to Do Instead)We’ve all been told the same story: work 40+ years, retire at 65, and then start living. But what if that timeline is completely backwards?In this video, Adam Olson, CFP®, breaks down why the traditional “65 and done” model no longer works — and how it could be costing you your best, healthiest years of retirement. You’ll discover:✅ The health realities that make retiring at 65 too late for many people✅ Why “65” became the cultural norm — and why it doesn’t fit today’s world✅ How to balance health and wealth so you don’t miss your most vibrant years✅ Strategies to avoid retirement shock and transition with confidence✅ The Red Zone Retirement Planning Process that helps you retire earlier — without sacrificing securityYour retirement shouldn’t be defined by a date on a calendar. It should be built around your health, happiness, and goals. With the right plan, you can retire earlier, on your terms, and enjoy the life you’ve worked so hard to build.📌 Take my free retirement readiness quiz here → https://adamdolson.com/retire-quiz/When you complete it, I’ll personally send you a custom video showing when you can retire with confidence.—🔔 Subscribe for more retirement strategies📖 Comment BOOK if you’d like a free copy of my Red Zone Retirement Plan book.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirement #investmentstrategy #investing #retirementsavings #financialfreedom #retirementplanning #finance #financialplanning #moneymanagement #retirementgoals #retirementincome Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
"How much you need to retire quiz: https://bit.ly/Adam-Olson🎯 Why Retiring at 65 Could Be Your Biggest MistakeFor decades, we’ve been told the same story: work 40+ years, retire at 65, and finally enjoy life. But what if that timeline is completely backwards?In this video, I’ll reveal:🧠 Why major health issues often hit right as traditional retirement begins🧱 How outdated cultural norms push people to work too long⚖️ Why wealth without health doesn’t equal true retirement success🧭 Strategies to transition gradually into retirement (and avoid identity shock)🧘 Simple lifestyle choices that add years of energy to your retirement🧩 The Red Zone Retirement Planning Process that helps you retire earlier, healthier, and with confidenceIf you’re aiming for financial freedom, health, and more time to actually enjoy your life, this video will challenge everything you thought you knew about “the right retirement age.”👉 Take the first step: fill out my short retirement readiness quiz here: https://adamdolson.com/retire-quiz/I’ll personally send you a custom video showing how to build a plan that balances health and wealth — so you never work a day longer than you want to.📚 Want more? Grab a copy of my book Red Zone Retirement Plan to learn how to design your retirement on your terms. https://adamdolson.com/books/🔔 Don’t forget to subscribe for more retirement strategies that help you retire smarter, not later.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirementInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences."Core Retirement & Finance Hashtags#RetirementPlanning #RetireSmart #RedZoneRetirement #RetirementIncome #FinancialFreedom #WealthPlanning #RetirementSavings #MoneyMasteryEarly Retirement & Lifestyle#EarlyRetirement #FIREMovement #RetireEarlier #FinancialIndependence #WorkOptional #RetireHappy #FreedomLifestyle #LiveOnYourTermsHealth & Longevity Focus#HealthAndWealth #LongevityPlanning #HealthyRetirement #WellnessAndWealth #RetireWell #EnjoyRetirement #RetirementHealthEngagement & Motivation#LifeAfterWork #PlanForFreedom #FinancialFuture #SmartMoneyMoves #RetirementGoals #DreamRetirement #RetireConfident
How much you need to retire quiz: https://bit.ly/Adam-Olson
Is the $1 million retirement target really the magic number everyone needs to hit? In this episode, Adam Olson, CFP®, breaks down why that benchmark is a dangerous myth that keeps people working longer than necessary. Instead of chasing an arbitrary lump sum, Adam introduces the Rule of $1,000—a simple framework to calculate how much you actually need based on your desired monthly income.
You’ll discover:
Why the “million-dollar myth” creates stress, burnout, and delayed retirements
How the income replacement approach (70–85% of pre-retirement income) reveals your true number
The role of Social Security, fixed income, and annuities in covering essential expenses
How to structure your money using the Red Zone Retirement Planning Process with the Go-Go, Slow-Go, and No-Go years
Smart tax and spending strategies that stretch your dollars further and reduce financial anxiety
Whether you’ve saved $300,000 or $3 million, this episode will give you clarity, confidence, and a blueprint for building a retirement plan that fits your life—not someone else’s idea of “enough.”
👉 Take the next step: Fill out the retirement questionnaire linked in the show notes, and Adam will send you a personalized video analysis of your retirement readiness.
🔔 Subscribe for more retirement strategies📖 Comment BOOK if you’d like a free copy of my Red Zone Retirement Plan book.#RetirementPlanning #EarlyRetirement #FinancialFreedom #RedZoneRetirement #investmentstrategy #investing #retirementsavings #financialfreedom #retirementplanning #finance #financialplanning #moneymanagement #retirementgoals #retirementincome Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.
How much you need to retire quiz: https://bit.ly/Adam-OlsonAvoid Retirement Taxes So Well It Feels Like Cheating8319121.1Most retirees unknowingly hand over 20–30% of their retirement income to taxes every year. But the truth is—smart retirees often pay less than 5%. The difference comes down to retirement tax strategies that are 100% legal, yet so effective they feel like cheating.In this video, I’ll reveal how to avoid retirement taxes and build a tax-free retirement plan using strategies that go far beyond conventional advice. You’ll learn:✅ The hidden retirement tax mistakes most people make, including RMD tax planning traps, Social Security tax strategies, Medicare IRMAA surcharges, and state income tax surprises that eat away at your savings.✅ Why traditional retirement tax advice often fails—and how tax-efficient retirement planning can save you thousands every year.✅ The power of the Roth conversion strategy to eliminate required minimum distributions and create lifetime tax-free retirement income.✅ How geographic arbitrage (moving to a tax-friendly state like Florida, Texas, or Nevada) can instantly save 5–10% of your income.✅ The overlooked benefits of municipal bonds that generate completely tax-free income and don’t trigger Social Security taxes or Medicare surcharges.✅ Why the Health Savings Account (HSA) retirement strategy is the only account with triple tax advantages—and how to use it for healthcare and tax-free wealth building.✅ My complete Red Zone Retirement Plan framework that coordinates Roth conversions, state tax planning, municipal bond ladders, and HSAs into a powerful tax-efficient retirement strategy.All of these tax strategies are fully legal, built into the tax code, and proven to reduce lifetime tax burdens. Done correctly, they can transform your finances and create the confidence of a near-zero-tax retirement.👉 Fill out the questionnaire below, and I’ll send you a personalized video analyzing your specific situation and showing you how to apply these strategies for your dream retirement.https://bit.ly/Adam-Olson📘 For a deeper dive, check out my book Red Zone Retirement Plan and discover how to protect your income, reduce taxes, and retire with confidence.#RetirementPlanning #TaxFreeRetirement #RothConversion #RetirementTaxes #FinancialFreedom #TaxStrategies #RetirementIncome #wealthplanning Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.