Kraig Strom, The Income Engineer

Kraig Strom, The Income Engineer

Challenging Conventional Wall Street wisdom about retirement planning and exposing bad advice from Financial Entertainers. Maximizing Retirement income and protecting assets from creditors, predators, lawsuits and judgments does not happen with a product or discount offer online. You must have an integrated approach. As a Paralegal and a Certified Financial Planner®, Kraig is uniquely able to assist clients with the careful preparation of retirement income, asset protection and estate plans. Kraig uses a team approach and leverages over 120 years of combined legal and financial services experience. Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom is focused on helping you pack your bags for both halves of the retirement journey. Kraig's mission is help you build & protect your wealth and lifestyle today and generationally. Along the way, Kraig is ready to assist with all matters related to your financial wellbeing as well as your business and family legal needs. DISCLOSURE: KRAIG IS THE INCOME ENGINEER BUT HE IS NOT AN ATTORNEY OR A CPA. KRAIG STROM IS A CERTIFIED FINANCIAL PLANNER PROFESSIONAL AND A PARALEGAL. PLEASE DO NOT CONSIDER THINGS ON THIS SHOW AS ADVICE. PLEASE SPEAK WITH A QUALIFIED CERTIFIED FINANCIAL PLANNER OR LEGAL PROFESSIONAL BEFORE MAKING ANY FINANCIAL or LEGAL DECISIONS. Retirement | Retirement Income | 401k | Defined Benefit | Cash Balance | Non-Qualified | Insurance Benefits | Annuity | Life Insurance | Long Term Care | Disability Insurance | Investment Portfolio Review | Captive Insurance | Asset Protection

Episodes

November 1, 2025 9 mins

A friend of mine came to my car show recently in a "new" BMW M3. He had always talked about wanting an M3 so I was excited for him when he pulled in. The car was beautiful and had all the options he had always wanted. I asked him what he loved most about it, what it the horsepower, the carbon fiber, the technology? NO, he loved the price. He purchased the car at 54% l...

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Millions of Americans are blessed to still have a pension to look forward too in retirement. What they don't realize is that there may be a big life insurance premium embeded in their retirement income decision. Optimizing Retirement income and protecting your legacy does not happen with a product. You must have an integrated approach.

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Understanding Inside Out vs Outside In Liability is the key to property Asset Protection So , I want to share a quick visual with you if you're not watching this on Get an LLC you got to protect yourself and you do this you take your. Rental real estate and you put it in your LLC and you think ah. Optimizing Retirement income and protecting your legacy does not happe...

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October 29, 2025 2 mins

At some point, I think we have all been guilty of deciding to take action or committing to make a change and failing to act. Unless we actually get off the log, we never move forward.

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and ...

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October 28, 2025 6 mins

Just when you thought California could not do more to make people want to move to another state - we pass Proposition 19. In my humble opinion, Prop 19 is one of the worst tax grab I have seen.

 

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable r...

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October 27, 2025 10 mins

Optimizing retirement income doesn't happen with a product like investments, life insurance, 401k, real estate or annuities. None of these things by themselves will help you maximize retirement income. You must have an integrated approach that balances the economics of retirement accumulation and retirement income. I am pulling back the kimono on old outdated Wall Street advice without losing site of critical planning decisions rel...

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October 26, 2025 12 mins

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement journey.  Kraig's mission is help you build & protect your wealth and lifestyle today and generationa...

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The moral of the story is "The Rich Don't Pay Taxes" like everyone else because they work with teams like mine.

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the ...

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Our economy is consumer driven which means that without people spending money on consumable and disposable things, the economy grinds to a halt. We have been conditioned not to associate or compare consumer purchases with investments. I meet people all the time who are proud of their 20% return on their real estate investment but they don't recognize the 70% loss they incurred on the watch they are wearing.

Thanks to the death of p...

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October 23, 2025 8 mins

According to a 2020 KeyBank Financial Wellness Survey, 75% of Americans consider themselves financially savvy, but 36% don't know how, or prefer not, to answer basic financial literacy questions. We need to keep learning and teaching the next generation. Wall Street drives much of the financial marketing and education machine. Ask questions and don't be afraid to challenge the conventional wisdom.

Thanks to the death of private pen...

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The father of the 4% Rule emerges from his golf course retirement home to say he was wrong. For years, Wall Street has told us that the 4% rule for retirement income planning is gospel. Of course, we know that the 4% rule has not worked out too well in recent years. Now we hear from the creator and he admits his error but it's not what you think.

Thanks to the death of private pensions, the devaluation of Social Security benefits a...

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October 21, 2025 5 mins

How many times do I need to say this before I stop getting the same terrible phone call? COME ON MAN!

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement...

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October 20, 2025 11 mins

I find it ironic that certain people like to brag about their investment prowess or boast about their success in business at the same time they make horrible financial decisions with how they spend their money.

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement ...

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October 19, 2025 7 mins

If you have not noticed, we have a new resident at 1600 Pennsylvania Ave in DC and he is burning through executive order ink faster than anyone in history. Politics aside, now is the time to schedule a strategy session with the team at Barth Calderon. All we know for sure is that big changes are coming and the future favors those who are prepared.

Thanks to the death of private pensions, the devaluation of Social Security benefits ...

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October 18, 2025 11 mins

Time and time again, we see companies and their owners operating under a false sense of S-Corp or LLC security. Understanding inside AND outside liability is the key to building the right protection around the Golden Goose.

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. K...

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October 17, 2025 16 mins

Listener Ralph asked whether it is financially smart for him to consider buying a home at the younge age of 25. What kind of mortgage should he use and how much down payment should he plan for?

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Person...

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Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement journey.  Kraig's mission is help you build & protect your wealth and lifestyle today and generationa...

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October 15, 2025 11 mins

What is the the only thing more costly then buying and maintaining a private boat?

Thanks to the death of private pensions, the devaluation of Social Security benefits and other undeniable retirement factors such as inflation and increased taxes, America is now in a retirement income crisis. Kraig Strom, the host of Personal Pension Radio, is focused on helping you pack your bags for both halves of the retirement journey.  Kraig's ...

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October 14, 2025 15 mins

Podcast Listener Jimmie writes in with a question about paying cash for a car versus financing. Jimmie thought that paying cash was the best way to buy things. When you consider that the purchase is only one part of the overall equation, it is clear that cash is not king in this case.

Thanks to the death of private pensions, the devaluation of Social Security benefit...

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October 13, 2025 10 mins

AT THE END OF A RECENT CALL WITH ONE OF MY CLIENTS, I ASKED IF THERE WAS ANYTHING ON THEIR MIND. THEY SAID, "FUNNY YOU SHOULD ASK, WE WERE WONDERING IF YOU WOULD BE WILLING TO WORK WITH OUR SON"

FULL DETAILS ARE IMPORTANT.

THEIR SON HAD DONE A GREAT JOB AND SAVED UP OVER $250,000 BY AGE 30.  HE HAS A GREAT JOB BUT HIS BIGGEST DESIRE IS TO GET INTO THE REAL ESTATE FLIPPING GAME.

MY CLIENTS ARE RETIRED AND AFTER SELLING THEIR VERY SU...

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