Retirement Answers

How Much Cash Should You Hold in Retirement? (2026 Update)

How much cash should you have set aside as you enter the early years of retirement so you can weather market downturns without constant worry? In this episode of Retireme

Does My Roth 401k Satisfy The 5-Year Roth IRA Rule?

Have you been contributing to a Roth 401(k) for years and assumed that time counts toward the Roth IRA five-year rule when you roll it over? 👉 Book a call with me: https

Stop Saving For Retirement... (Here's Why)

Do you really need to be saving more for retirement? What if it's costing you something you can't get back? Join me in this episode to hear a different perspective on how

Are You Waiting Too Long to Sell Winning Investments?

Why haven't you sold that investment that has made you a lot of money? What's stopping you? I'm hearing the question "What should I do with my big winners?" a lot more la

What Are the Best Strategies for Reducing RMDs?

Are you worried that required minimum distributions (RMDs) could force unnecessary taxable income and shrink your hard-earned retirement savings? In this episode of Retir

The 4% Rule Is A Terrible Retirement Income Strategy (Here's Why)

Have you ever wondered if certain beliefs or rules of thumb about retirement could actually jeopardize your future instead of secure it? In this episode, Jacob breaks dow

The Lie That's Holding You Back From Retirement

You've got the savings, the spreadsheet, maybe even the perfect retirement date circled on your calendar, so what's actually holding you back? In this episode, I get hone

Avoid These 5 Retirement Mistakes Before It’s Too Late

You've spent decades saving for retirement, but are you about to make the same mistakes thousands of retirees only spot when it's too late? In this episode, I walk throug

Why Your 401(k) Isn’t Enough - The Ideal Retirement Mix

You're saving for retirement, but are you saving too much into the wrong accounts? Most retirees don't realize this common issue until it's too late. In this episode, I

The Mental Trap That's Sabotaging Your Retirement

Have you ever wondered if chasing “more” could actually make retirement harder instead of better? In this episode of Retirement Answers, Jacob is sharing how “more is not

Avoid These 8 Retirement Mistakes (They Look Harmless… But Aren’t)

Some of the biggest retirement mistakes don’t show up until it’s too late to fix them. Today, I’m breaking down 8 costly mistakes I see over and over again and how to avo

5 Reasons NOT To Claim Social Security Early

Not sure when to take Social Security? Well, in today's episode, I am sharing 5 reasons you shouldn't take your benefits early and the hidden risks of doing so. 👉 Work W

These Are The Most Important Years of Retirement

If you don't get things right during this important window of time, your retirement likely won't be what you hoped... This 10 year period of time will determine the traje

The Roth IRA 5-Year Rule Explained (Ultimate Guide)

Confused by the Roth IRA 5-year rule? Did you know there are two different 5-year rules? Well, it can get quite confusing, so this episode is meant to be your complete gu

Most Retirement Plans Look Good on Paper, But FAIL in Reality

Are you sure your retirement plan is optimized for the right things? In this episode, I discuss what the true mark of a successful retirement plan is and why most people'

7 MAJOR Benefits of a Brokerage Account in Retirement

Is the brokerage account the secret to a fun and tax-efficient retirement? It might be a requirement, but it definitely helps. In fact, the brokerage account is my favori

4 Reasons You Should Take Social Security at 62

Are you still trying to decide when to take Social Security? Well, in this episode, I am deviating from my normal stance to share 4 reasons you might want to take your be

Don't Retire Yet - Try This Instead

Are you anxious about an abrupt transition to retirement? In this episode of Retirement Answers, I share the concept of phased retirement, where you can gradually reduce

The Big HSA Mistake Retirees Don’t Know They Are Making

Have you ever wondered if your HSA contributions could cause unexpected issues as you approach retirement? In this episode, I highlight potential risks and mistakes that

New 2026 Tax Brackets, Standard Deductions & More!

Can you believe it's 2026 already?? Ready or not here we go! In this episode, I'm sharing the updated tax brackets, standard deductions, capital gains brackets, IRMAA bra