Your Retirement, Your Way

What if your retirement plan is missing what you don’t even know you don’t know? On this episode, Gary Garland dives into the hidden risks of retirement planning—from market volatility and 401(k) fees to the underestimated impact of lifestyle choices. Learn how to avoid common pitfalls, explore smarter investment options, and rethink what “retirement your way” really means.

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Is your retirement plan built on certainty—or just hope? In this episode, Gary Garland breaks down the risks of chasing market highs and the value of boring, steady returns. From annuities and guaranteed income to avoiding financial fads and TikTok “thinfluencers,” Gary shares practical strategies for protecting your nest egg. Learn why “slow and steady” isn’t just a cliché—it’...

What if the biggest threat to your retirement isn’t running out of money—but not knowing how to manage what you have? In this episode, Gary Garland breaks down the psychology and strategy behind retirement spending, guaranteed income, and the hidden traps of financial planning. From the sandwich generation’s caregiving crunch to the dangers of overcomplicated portfolios, Gary offers insights to help you simplify, ...

What if your legacy could shape three generations—without waiting until you're gone? In this episode, Gary Garland explores the evolving mindset around giving while living, from skipping a generation in estate planning to the emotional and financial impact of gifting now versus later. He shares practical strategies like 529 plans, trusts, and tax-loss harvesting, while also reflecting on what retirement really means beyond th...

What does President Trump’s “One Big Beautiful Bill” mean for your retirement strategy? Gary Garland breaks down the tax law’s long-term impact, including Roth conversions, Social Security taxation, and market volatility. From the risks of tech-heavy portfolios to the potential of interest-sensitive annuities, this episode offers a candid look at how to protect your future in uncertain times. Whether you're ...

On this episode of Your Retirement, Your Way Podcast, Gary discusses the critical aspects of retirement planning, focusing on the psychological impact of market volatility, the importance of understanding sequence of returns risk, and the hidden costs associated with 401(k) plans. He emphasizes the need for personalized retirement strategies, the benefits of IRAs over 401(k)s, and the significance of proactive planning to ensure a ...

On this episode of the Your Retirement Your Way Podcast, Gary discusses the critical decisions facing baby boomers as they approach retirement, particularly regarding Social Security and income planning. He emphasizes the importance of creating a customized income plan based on individual circumstances and the need for guaranteed income in retirement. The conversation also touches on the concept of refinancing retirement strategies...

What do impulse buys at Target and retirement taxes have in common? More than you think. In this episode, Gary Garland breaks down how to avoid “impulse tax payments” by planning smarter. From Roth conversions and Social Security strategies to capital gains and market volatility, Gary explains how to take control of your retirement income and minimize surprises. Whether you're worried about rising taxes or uncertain mar...

What if your retirement could last 30 years—or more? In this episode, Gary Garland of Integrated Wealth Solutions breaks down how to build a retirement income plan that supports your lifestyle, whether you want to retire early, work part-time, or move to Hawaii. From Social Security strategies to guaranteed income and bucket planning, Gary explains how to make your money last and your retirement meaningful. Plus, hear why pla...

Gary Garland of Integrated Wealth Solutions discusses the trillions people leave behind in old retirement accounts and the pros and cons of the different ways to move that money. Gary also stresses the danger of cashing out an old 401(k). Gary also talks about portfolio items that may have once been practical but now are not working as well, such as mutual funds, and also the importance of making routine checks on a financial plan ...

Gary Garland of Integrated Wealth Solutions discusses the sheer uncertainty in the market and how to position a portfolio to perform in any condition. He also talks of the merits of Roth conversions and how they affect Medicare costs. Then Gary goes in-depth about how each person’s situation is different and how the Integrated Wealth Solutions Second Opinion Service does full x-rays of portfolios. Gary shares how he spends ho...

Gary Garland discusses the travel woes and causes of them at nearby Newark Airport (and how he got stuck in them). He then relates that to inefficient, frustrating, and obsolete retirement portfolios. Gary explains how mutual funds and some other tools just are not right for today’s market conditions and shares how products like annuities often better suit people. Gary also talks about red flags for inadequate advisors and wh...

Gary Garland talks about the all-important, oft asked question of when to start taking Social Security. Gary lists a number of factors, including the implications on one’s spouse and tax bill. Gary also tackles the six-figure number that the average person is going to need in healthcare costs and discusses several ways to plan for an save for these inevitable costs and the huge long-term care costs that many people do not con...

Gary Garland sifts through some tips about dealing with the ups and downs of the stock market. Gary shares a familiar warning about sequence of returns and how Integrated Wealth Solutions’ complimentary portfolio x-ray helps people set a plan with the level of risk tolerance they prefer. Gary also talks about putting money into the market when it is down and the benefits of avoiding knee-jerk reactions. And Gary shares his ap...

Gary Garland relates increasing airline baggage fees to those secret fees in a portfolio. Gary explains how an Integrated Wealth Solutions portfolio risk analysis helps find bloat and redundancy inside of financial plans. Gary also contests the idea of the worst of the market volatility being over with, given the political climate and some trends he has seen. He also describes his next two financial seminars in June.

Come to the ne...

Gary Garland talks about former NBA star Jeremy Lin’s mom’s big sacrifice from her 401(k) and why drawing from a retirement account early is a big risk. He also talks about finding the right time to convert a traditional IRA to a Roth and why an advisor can help determine that. Gary also discusses “First Fridays” in the Integrated Wealth Solutions office in Manalapan and how listeners can get custom swag.

Co...

Gary Garland discusses a major reason retirees re-enter the workforce: boredom. Gary explains how some simple questioning from an advisor can help someone in or near retirement make a decision best suited for them. He also talks about people that start working again because they do not have enough money and some ways he can help them come up with a better income plan.

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Gary Garland discusses an 81-year-old waitress getting an unexpected six-figure gift and the things to watch for in any financial windfall. And he talks about the impact on small businesses, as thousands of Baby Boomers exit the workforce daily. Gary explains how an advisor can help as both money and retirement planning become more complicated and how handling these things on one’s own can be very costly.

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Gary Garland laughs at a throwback Conan O’Brien bit that teases people for not buying certain high stocks. Gary shares how people can be proactive in their retirements and plan a few steps ahead, so people can feel like they missed out on less. Gary also chuckles at a couple’s fight over the thermostat and he relates that to couple’s who enter the Integrated Wealth Solutions office with different ideas on saving ...