Safe Haven $olutions
Your one-stop-shop for quick, comprehensive, and timely financial advice. Welcome to the Safe Haven $olutions Podcast hosted by Larry Kallevig, Founder and CEO of Haven Financial Group in Burnsville, Minnesota.
Episodes
As you plan for your child’s education, the last thing you want is unexpected tax penalties eating into your savings. Traditional options like 529 plans can come with restrictions, but there’s a more versatile strategy worth exploring. With the power of Universal Life or Indexed Universal Life Insurance, you can fund college and keep your financial freedom intact. Let’s discuss!
To learn more visit havenfinancialgroup.com today!
Generational wealth doesn’t just happen—it’s strategically protected. Too often, wealth is lost through a lack of planning. From tax strategies to family education, there are steps you can take now to protect what you’ve built. Let’s explore how planning as a family can preserve wealth for generations.
To learn more visit havenfinancialgroup.com today!
You’ve probably heard of 529 plans as a way to save for college—but they’re more flexible than most people realize. From K-12 education expenses to student loan payments, 529s can do more than just cover tuition. Here’s how to make the most of a 529.
To learn more, visit havenfinancialgroup.com today!
The price of college has surged compared to what Gen X and Baby Boomers paid, yet it remains a gateway to higher earnings and better career opportunities. Today, we’re breaking down the real cost, the value, and what families need to know.
To learn more, visit havenfinancialgroup.com today!
Tariff policy and trade deals may seem like distant international affairs, but the ripple effects can have a very real impact on your portfolio and your retirement plan. From rising consumer prices to increased market volatility, global trade policy has re-entered the spotlight in 2025. Let’s discuss!
To learn more, visit havenfinancialgroup.com today!
Financial markets can be emotional—even for the most seasoned investors. When headlines get loud and the economy feels uncertain, the instinct to make quick decisions can take over. But retirement success isn’t built on gut reactions—it’s built on consistent, strategic planning. Next, we explore how to avoid emotional decision-making and how working with a financial advisor can keep you grounded and focused moving forward.
To le...
While headlines might celebrate new stock market highs, the broader economy is telling a very different story. GDP just shrank for the first time in years, inflation in core categories remains stubborn, and consumer confidence is near historic lows. So why does it feel like things are worse than ever, even when markets are booming? And more importantly—how can this disconnect between perception and reality derail smart financial de...
With a confusing and volatile financial landscape, financial advisors like us play a unique and crucial role in retiree’s and pre-retiree’s lives. We help people make decisions about their money that truly work for them. As tech-enabled tools take care of the busy work, it allows us to use our real expertise in tailoring services for your unique circumstances. Let's discuss!
To learn more visit havenfinancialgroup.com today!
One of the largest expense categories in retirement is tax. However, you have more control than you think over how your money is taxed in retirement. That’s because, in many ways, you’re paying yourself. So, let’s jump in to understand what levers you may have to pull when it comes to the tax question in retirement.
To learn more visit havenfinancialgroup.com today!
Whether you’ve lived in your home for decades, or hopped houses every few years, the taxes associated with a home sale are important to understand if you’re expecting to gain proceeds as a way to finance your retirement needs. Let's discuss!
To learn more, visit havenfinancialgroup.com today!
Coordinating a financial strategy between you and your spouse can be complex. Of course, it’s of the utmost importance that you take care of them, but as the saying goes, before you can take of others, you must first take care of yourself. The same is true when it comes to your financial plan. Let's discuss.
To learn more visit havenfinancialgroup.com today!
As a couple, it can be difficult to figure out where your financial strategy ends and your partner’s begins. And the truth is, it depends on your unique situation to know the exact answer to that question. In this episode, Larry and Kim discuss some key concepts to help you understand where the benefits and difficulties lie in terms of spousal financial and retirement planning.
To learn more visit havenfinancialgroup.com today!
There are so many ways to find fulfillment in retirement—whether it’s pursuing a lifelong passion, picking up a new hobby, or spending more time with family. But making the most of this chapter isn’t just about how you spend your time—it’s about how you adjust to a new rhythm, a new sense of purpose, and a new definition of success. Let’s jump in.
To learn more visit havenfinancialgroup.com today!
When you’re still working, financial setbacks can feel like temporary speed bumps. But once you retire, everything shifts. You’re no longer earning in the same way, and the money you’ve saved has to support your lifestyle, health, and goals for the rest of your life. That’s why having stability in your finances isn’t just helpful, it’s essential. A steady income, the right insurance, a reliable place to live, and a plan for health ...
Living a healthy lifestyle isn’t just good for your body and mind—it can be one of the most impactful ways to lower your long-term healthcare costs. Before diving into complex insurance options that might even be more expensive when you’re less healthy, or worrying about future medical bills, it helps to start with something simple: the everyday habits that keep you well.
To learn more visit havenfinancialgroup.com today!
Healthcare costs are one of the biggest financial challenges you could face in retirement—and they’re often underestimated. From navigating Medicare to making the most of a Health Savings Account (HSA) to planning for long-term care, it’s crucial to understand what’s covered, what’s not, and how to prepare. Let’s discuss!
To learn more visit havenfinancialgroup.com today!
There are so many ways to see a return when it comes to your financial strategy, but dividends can be especially important to understand in today’s retirement landscape. Since many people have much of their savings in retirement accounts, dividends can be an easy way to access steady returns. Let’s discuss what it really means to use dividends to provide yourself retirement income.
To learn more visit havenfinancialgroup.com today!
...When you were young, it probably felt like you had eons to save for retirement. But what if you’re 5 years away? What if you’re in retirement already? That’s why consistency and stability alongside asset growth and income is a retirement requirement... but how do you achieve both of those together? Let's discuss!
To learn more visit havenfinancialgroup.com today!
Compounding returns can help your retirement assets grow, recover, or provide you with additional income. Before thinking about complex tax strategies and investment ideas, let’s understand the full power of compounding returns.
To learn more visit havenfinancialgroup.com today!
The Roth account, whether it’s an IRA or employer-sponsored Roth, such as a 401(k), offers unique and potentially powerful tax advantages. A Roth IRA is relatively easy to access these days, but there are rules and restrictions and how and who is eligible for using this simple tool. Let’s discuss!
To learn more visit havenfinancialgroup.com today!
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