Right On The Money Radio Show with Tom Mosley
The RIGHT ON THE MONEY RADIO SHOW, hosted by Kristin Oakley & financial expert Tom Mosley, is an informative & educational weekly radio program providing you the financial knowledge you need to create the retirement lifestyle you envision. With 29 years of expertise in the financial industry and a background in the ministry, Tom shares his knowledge & enthusiasm for retirement strategy with sound information, poignant stories, and the latest retirement news. As a fiduciary, Tom covers important retirement topics like income, taxes, inflation, investment strategy, healthcare, and legacy.
Episodes
July 3, 2025 • 54 mins
In this episode, we uncover the “investment crimes” you may be committing without realizing it—like chasing unrealistic returns, neglecting taxes, or relying on windfalls. Using infamous criminals like Al Capone, the Wolf of Wall Street, and D.B. Cooper as cautionary tales, we highlight what not to do with your money in retirement—and how to stay financially free.
Chapters00:00 Investment Crimes You May Be Committing06:36 Chasing un...
Chapters00:00 Investment Crimes You May Be Committing06:36 Chasing un...
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June 12, 2025 • 51 mins
In Part 2, Tom & Kristin reveal the biggest retirement mistakes retirees are making that they regret the most. Hindsight is 20/20, so take a listen so you can avoid the mistakes and take the steps you need to enjoy retirement regret free!You’ll learn details & strategies on:✅Social Security✅Taxes✅ROTH Conversions✅Long Term Care
Chapters00:00 The Biggest Retirement Mistakes Retirees Regret04:55 Recap of Part 1 06:44 Mistake #...
Chapters00:00 The Biggest Retirement Mistakes Retirees Regret04:55 Recap of Part 1 06:44 Mistake #...
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June 4, 2025 • 54 mins
Tom & Kristin discuss the biggest retirement mistakes retirees are making that they regret the most. Since hindsight is 20/20, take a listen and learn what they are so you can avoid the mistakes, and take the steps you need to enjoy retirement regret free!
Chapters00:00 The Biggest Retirement Mistakes Retirees Regret Making05:50 Mistake #1 15:50 Mistake #2 32:40 Mistake #3 41:05 Mistake #4
#RetirementMistakes #RetirementPlanning...
Chapters00:00 The Biggest Retirement Mistakes Retirees Regret Making05:50 Mistake #1 15:50 Mistake #2 32:40 Mistake #3 41:05 Mistake #4
#RetirementMistakes #RetirementPlanning...
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May 29, 2025 • 52 mins
Learn how to avoid a tax avalanche in retirement! We cover smart strategies to reduce taxes, the impact of income brackets, legislative risk, the rise of Roth accounts, and why tax planning beats tax prep. Plus, how RMDs and ROTHs fit in—and a look at EaseMyTaxBill.com. Tune in to learn how you can take control and ease the weight of taxes in retirement.
Chapters00:00 – How to Save on TAXES in Retirement07:50 – How retirement income...
Chapters00:00 – How to Save on TAXES in Retirement07:50 – How retirement income...
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May 22, 2025 • 50 mins
𝗪𝗼𝗿𝗿𝗶𝗲𝗱 𝗮𝗯𝗼𝘂𝘁 𝗿𝗲𝘁𝗶𝗿𝗶𝗻𝗴 𝗱𝘂𝗿𝗶𝗻𝗴 𝗮 𝗱𝗼𝘄𝗻 𝗺𝗮𝗿𝗸𝗲𝘁?Market volatility can feel like a gut punch when you’re close to retirement. In this episode, we’re sharing 5 practical things you can do right now to protect your retirement savings and regain control of your plan—even when the market is tumbling.We cover how to adjust your retirement strategy, delay withdrawals, diversify income, and use powerful too...
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May 15, 2025 • 49 mins
Women face a very different retirement reality than men — and it’s not just about living longer. On average, women:•Have less saved for retirement due to caregiving roles and time out of the workforce•Receive smaller Social Security checks•Often feel less confident about financial decisionsIn this eye-opening episode, we explore the unique financial challenges women face in retirement — and the critical steps to take before you’re ...
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May 8, 2025 • 50 mins
Taking money out of your retirement accounts before age 59 ½ usually triggers a 10% early withdrawal penalty – the good news is there are actually 20 (and soon to be 21) instances where you can AVOID the penalty!In part 2 of our 2-Part series, retirement experts Tom Mosley and Kristin Oakley walk you through more of the real-life situations where early withdrawals from your IRA, 401K, 403(b), and other “4-plans” may be penalty-free...
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Taking money out of your retirement accounts before age 59 ½ usually triggers a 10% early withdrawal penalty – but what if life gives you no choice?In this episode retirement experts Tom Mosley and Kristin Oakley walk you through the real-life situations where early withdrawals from your IRA, 401K, 403(b), and other “4-plans” may be penalty-free. From medical emergencies to disaster relief, discover the little-known exceptions that...
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April 24, 2025 • 54 mins
Knowing how and when to claim your Social Security is one of the most important retirement decisions you’ll make. In today’s video, retirement expert Tom Mosley breaks down the key things you need to consider before locking in your benefits.
•The truth on Social Security “going broke” – what’s fact vs. fiction•How to determine the best age to claim Social Security for your situation•Why you won’t get personalized advice from the Soc...
•The truth on Social Security “going broke” – what’s fact vs. fiction•How to determine the best age to claim Social Security for your situation•Why you won’t get personalized advice from the Soc...
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Rollercoasters can be fun - until they aren’t. 𝗧𝗵𝗮𝘁’𝘀 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝘁𝗿𝘂𝗲 𝘄𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗶𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗱𝘂𝗿𝗶𝗻𝗴 𝗺𝗮𝗿𝗸𝗲𝘁 𝗱𝗼𝘄𝗻𝘁𝘂𝗿𝗻𝘀. While the ride up is exhilarating, the dips can leave you anxious & fearful. In this episode, retirement expert Tom Mosley shares practical tips and strategies to help you navigate market volatility in retirement without derai...
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April 10, 2025 • 52 mins
In this follow-up to last week’s episode on Risks in Retirement, we dive even deeper into the challenges that can derail your retirement plans if you're not prepared.This week, we focus on housing and real estate risks, including:🏡 The rising costs of homeowners insurance and home repairs🔁 The pros and cons of owning vs. renting in retirement🚚 The risks that come with relocating out of state💸 How mortgages can complicate your r...
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April 3, 2025 • 52 mins
Retirement today presents more challenges than ever before. Without a strong plan, you could face unexpected obstacles that threaten your financial security and lifestyle. Last week we discussed risks associated with longevity, investments & the market, Taxes, and health. In today’s show, we add two more critical risks facing modern retirees:✅ Spending & Budget Risks – Are you overspending or underestimating your expenses?✅...
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March 27, 2025 • 54 mins
Retirement should be a time of freedom and enjoyment, but without the right plan, unexpected risks can derail your financial future. In this video, we break down 4 key risks that modern retirees must navigate:✅ Longevity & Life Expectancy Risk – Will your money last as long as you do?✅ Investment & Market Risk – How do you protect your savings from volatility?✅ Tax Risk – Could rising taxes take a bigger bite out of your re...
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March 20, 2025 • 53 mins
As you shift from building your nest egg to living off it, understanding and managing risk becomes critical. In this episode, we break down the biggest risks retirees face—and how they can derail your retirement if you're not prepared.👉 Topics we cover:✅ Why many stay in “accumulation mode” too long✅ The real danger of Sequence of Returns Risk✅ How working with a retirement-focused advisor differs from a Big Box approach✅ Understa...
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March 14, 2025 • 54 mins
💼 The Treasure of a Hidden or Forgotten 401K 💼Did you know the average person has 3 to 5 forgotten 401Ks? If you’ve ever changed jobs, there’s a good chance you’ve left behind valuable retirement savings without even realizing it! In this episode, we uncover the hidden treasure of old and forgotten 401K accounts—why they get left behind, the risks of managing multiple plans, and how to track them down. Plus, we break down your op...
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March 7, 2025 • 54 mins
Retirement savings have changed dramatically over the decades. Gone are the days when most workers could count on a pension to fund their golden years. Today, the responsibility of saving for retirement largely falls on you—through 401(k)s, IRAs, and personal investments. But what led to this shift, and how does it impact your financial future?In this episode, we break down:✅ The rise and fall of pensions – Why companies moved away...
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February 27, 2025 • 54 mins
Retirement is complicated—especially when it comes to Social Security. With changing rules and the looming threat of decreased benefits, when is the right time to take Social Security? Should you maximize or optimize your benefits?In this episode, we break it all down—helping you determine the best timing for your situation. Plus, we dive into why working with a financial advisor can make a real difference. A true retirement plan i...
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February 20, 2025 • 54 mins
Retirement today looks nothing like it did for previous generations. Pensions are rare, Social Security faces uncertainty, and the responsibility of saving falls squarely on our shoulders. So how do you ensure you have enough to retire comfortably?In this episode, Tom & Kristin break down the biggest challenges facing retirees today—market volatility, increasing healthcare costs, longevity, and inflation—and share strategies to...
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February 13, 2025 • 54 mins
Retirement is about more than just saving money—it’s about creating a strategy that helps you keep more of what you’ve earned. In this episode, retirement experts Tom Mosley & Kristin Oakley tackle three critical topics that can make or break your retirement: Taxes, Risk, and Social Security.🔹 Taxes: Planning vs. Preparation – Are you an archeologist or an architect when it comes to your retirement taxes? Too many people focus...
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February 6, 2025 • 53 mins
Are you ready to rethink retirement? For decades, the traditional path has been to work hard until your 60s, then retire completely. But with longer life expectancies and the desire for better work-life balance, this all-or-nothing approach may no longer make sense. In this episode Tom & Kristin dive into why semi-retirement could be your best financial and personal move. We’ll explore the benefits of semi-retirement when it co...
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