Planning Matters Radio
An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets to help you achieve your retirement goals.
Episodes
The Countdown to Retirement continues! Now, for the number one, most important factor determining your retirement success: income. Your income, not your account balance, is what determines your quality of life in retirement.
According to a study by the Alliance for Lifetime Income, 80% of retirees with protected lifetime income say they’re confident they won’t outlive their money , compared to just 33% of those without it. In this ...
Join Peter Richon on Dash Town — highlighting local businesses making an impact in Fuquay!
We sat down with Barbara Patterson, Regional Director, and Meike Weist, Care Manager and Guardian Supervisor with Arosa, a care-managed agency providing in-home caregiving and professional care management for seniors.
Barbara and Meike work out of the Fuquay-Varina office, serving families across the Triangle and supporting Arosa’s broader mi...
Financial advisor Peter Richon of Richon Planning speaks with Kristin Williams, Executive Vice President of Advanced Tax Planning at Succession Capital. Their conversation explores how advanced tax and estate planning strategies can support long-term financial organization and decision-making. They cover topics such as trust structures, business transitions, multi-generational planning, and the coordination of tax and estate strate...
We've made it to the top 3 in our Countdown to Retirement! In this video, Peter with Richon Planning and Erin Kennedy talk through the three biggest expenses you'll see in retirement; be sure these expenses are in your plan, or you may run out of money!
1. Largest Known Expense: Taxes
2. Largest Potential Expense: Healthcare
3. The Silent Thief: Inflation
The only way to combat the possibility of expenses exceeding assets is to ha...
Retirees who want to reduce their taxes in retirement can benefit from strategic conversions and transfers between traditional and Roth IRAs. As Peter with Richon Planning explains to Erin Kennedy identifying those key windows for Roth conversions can lead to significant tax advantages and a bigger nest egg! The top 5 times to consider a conversion are:
1. During Market Downturns
2. Anticipation of Tax Bracket Changes
3. Between R...
The Countdown to Retirement continues! A solid financial plan isn’t just about investments, it should cover six key areas that impact your entire financial life. As Peter with Richon Planning explains to Erin Kennedy, if even one is missing, your plan may fall short. Those 6 issues are:
1. Is my plan aligned with my goals?
2. Income
3. Investments
4. Taxes
5. Healthcare
6. Legacy
If your financial plan doesn't include these 6 issu...
There are times when moving your money isn’t just a good idea, it’s necessary. Figuring out *when can help you protect your investments, reduce your taxes, and stay aligned with your long-term goals. In this video, Peter with Richon Planning and Erin Kennedy detail the 8 moments you should move your money. They are:
-Rebalancing
-Roth conversions
-Age 59 1/2, the in-service distribution
-Leaving a job
-Fees are too high
-Under perf...
As of April , about 60,000 people have been laid off or fired, including thousands more at U.S. health agencies. With the markets rattled and a potential recession on the way, a lot of people are worried about their job right now. In this video, Peter with Richon Planning and Erin Kennedy outline 4 action steps you should take if you've been laid off, or if you're concerned you might be:
File for Unemployment
Update Your Resume
Re...
New rules for Required Minimum Distributions could catch retirees off guard—especially if you're turning 73 this year. One key headline: RMDs now have to be the first money out of your account. From stricter timing requirements to steeper penalties, the IRS is cracking down. In this video, Peter with Richon Planning talks through the new rules with Erin Kennedy, including:
-What “first money out” means for your accounts and rollov...
When it comes to retirement, saving enough is only part of the equation. You also need to plan for the risks that could derail your financial future. In this video, Peter with Richon Planning and Erin Kennedy break down the 9 Critical Risks You Need to Plan For:
✅ Sequence Risk – How market downturns early in retirement can deplete your savings.
✅ Legislative Risk – The impact of changing laws and policies.
✅ Withdrawal Rate Risk –...
Recently, stocks closed out their worst quarter since 2022. The S&P 500 and the Nasdaq logged their worst performance since Russia’s invasion of Ukraine. While these headlines can be upsetting, as Peter with Richon Planning explains to Erin Kennedy, the market downturn can also provide some very specific opportunities for smart investors, including:
Put Your Cash to Work – Lower valuations let you buy quality investments at a disco...
The “retirement red zone” is the 5 years before and after retirement—a critical time when your decisions about investments, income, and risk can have a lasting impact on your retirement security. In this video, Peter with Richon Planning and Erin Kennedy zero in on the 10 Steps to Prepare for Retirement:
✅ Define Your Budget – Why knowing what you’ll spend is the foundation of your plan.
✅ Define Your Sources of Guaranteed Income –...
Once people retire, their spending habits often change. Housing, healthcare, and groceries will still make up a significant part of your budget, however, as Peter with Richon Planning explains to Erin Kennedy since retirement often means more free time, you'll probably be spending more "fun money" on these common expenses:
1. Travel
2. Recreational Vehicles
3. Vacation Home
4. Hobbies
If you'd like to talk with Peter to create a r...
Join Peter Richon on Dash Town — highlighting local businesses making an impact in Fuquay! Today, we visit with Sarah Wills, who works in sales for Spray-Net, a home improvement company specializing in exterior painting and kitchen cabinet refinishing.
She holds Bachelor's degrees in International Studies and Spanish with focus areas in Latin American Studies and Ethnobiology from Capital University. Her experience includes 18 year...
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