Retirement GPS - Navigated by Zynergy

Episode #53: IPO Fever – Why the Hottest Investments Often Make the Worst Investments

When a new company goes public, it's easy to get caught up in the excitement. But are the hottest IPOs really the best investments for your long-term financial future?

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, explores the hype surrounding Initial Public Offerings (IPOs) and explains...

Episode #52: What Retirees Wish They Had Done 10 Years Earlier

If you could go back in time and make a few changes before retirement, what would you do differently? While none of us can change the past, we can learn from those who have already been there.

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, shares some of the most common retirement regrets he hears from retirees and t...

Episode #51: Retirement Tax Traps That Could Cost You Thousands

Many people assume they'll pay less in taxes once they retire, but that's not always the case. Without proper planning, hidden tax rules can create unexpected costs that significantly impact your retirement income.

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down five of the most common retirement tax trap...

Episode #50: Tax Loss Harvesting – Turning Market Volatility Into Tax Savings

Market volatility can be unsettling—but what if a market downturn could actually help lower your taxes?

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down one of the most effective tax strategies available to investors with taxable brokerage accounts: tax loss harvesting. Learn how ...

Episode #49: New Jersey's $6,500 Retirement Tax Break – Are You Missing Out?

If you're a New Jersey homeowner age 65 or older, you could be leaving thousands of dollars in property tax relief on the table.

In this episode of Retirement GPS, Ryan Zacharczyk, CFP®, breaks down New Jersey's three major property tax relief programs for seniors—the Senior Freeze, ANCHOR, and the rec...

What should you be doing throughout the year to stay on track for retirement?

In this episode of Retirement GPS, Navigated by Zynergy, Ryan Zacharczyk, CFP®, and co-host Zane Belcak pull back the curtain on Zynergy Retirement Planning’s annual planning process and show you how to create your own retirement planning calendar.

Rather than scrambling at tax time or revisiting your finances only when something goes wrong, a struc...

In this episode of the Retirement GPS Podcast, Ryan and Zane break down one of the most controversial topics in retirement planning: annuities.

Are annuities a smart way to create guaranteed retirement income, or are they expensive products that limit flexibility and growth? Ryan and Zane cut through the confusion, sales pitches, and industry noise to explain how annuities actually work and where they m...

In this episode of the Retirement GPS Podcast, Ryan and Zane continue the “How Do I Retire With…” series by exploring what retirement can look like with $6 million in investible assets.

They walk through Zynergy’s 10 GPS planning components and explain how this level of wealth can support income, travel, lifestyle flexibility, charitable giving, legacy planning, and long-term fi...

In this episode of the Retirement GPS Podcast, Ryan and Zane tackle one of the most emotional questions in financial planning: How do you leave wealth to your children without creating unintended consequences?

They explore the behavioral, financial, and family dynamics that come with passing down significant wealth, and why legacy planning is about far more than taxes and legal documents. From trust str...

In this episode of the Retirement GPS Podcast, Ryan and Zane tackle a retirement challenge that rarely gets talked about: learning how to actually enjoy the money you spent decades building.

After years of saving, investing, and delaying gratification, many retirees struggle to shift into spending mode, even when they’re financially secure. Ryan and Zane explain why that mindset is so common and h...

In this episode of the Retirement GPS Podcast, Ryan and Zane continue the “How Do I Retire With…” series by exploring what retirement can look like with $5 million in investible assets.

They walk through Zynergy’s 10 GPS planning components and explain how this asset level can support income, travel, lifestyle flexibility, charitable giving, legacy planning, and long-term financ...

Ryan and Zane walk through a question many people don’t think to ask: how is your financial advisor actually getting paid, and what does that mean for you?

They break down the differences between fee-only, fee-based, and commission-based advisors, and explain how each structure can shape the recommendations you receive. They also clarify what it really means to work with a fiduciary and why that s...

In this episode of the Retirement GPS Podcast, Ryan and Zane tackle a common question from pre-retirees and retirees: should you consolidate your investment accounts?

They explain how multiple IRAs, old 401(k)s, brokerage accounts, and inherited accounts can create unnecessary complexity over time, especially when it comes to asset allocation, beneficiary designations, tax planning, and required minimum...

In Episode 37 of the Retirement GPS Podcast, Ryan and Zane continue the “How Do I Retire With…” series by breaking down what retirement really looks like with $4 million in investible assets.

They walk through Zynergy’s 10 GPS planning components and explain how decisions around income, taxes, investments, risk management, and estate planning evolve at this level of wealth. From...

In Episode 36 of the Retirement GPS Podcast, Ryan and Zane break from their usual format to address a question many investors are asking right now: What’s going on in the world, and what does it mean for your retirement?

They unpack how recent geopolitical tensions are impacting oil prices, inflation, interest rates, and both the stock and bond markets. More importantly, they explain how these eve...

In Episode 35 of the Retirement GPS Podcast, Ryan and Zane answer one of the most common retirement concerns: What happens to your plan when the market drops 20%?

They explain what a 20% decline really means, how often it happens, and why volatility is a normal part of investing, even in retirement.

You’ll hear how sequence of returns risk impacts retirees, why average returns can b...

In Episode 34 of the Retirement GPS Podcast, Ryan and Zane begin the new “How Do I Retire With…” series by exploring what retirement really looks like with $3 million in investible assets.

They walk through Zynergy’s 10 GPS planning components and explain the key decisions that come with this level of wealth, from income and distribution strategy to taxes, emergency reserves, es...