Dolphin Financial Radio

Dolphin Financial Radio

Small changes, made over time, can produce significant results. Much like a high performance engine, or an entire orchestra, when even a small part is not doing what it is supposed to do, everything suffers. And the same is true of your finances. This show is dedicated to the small things that make a significant difference.

Episodes

Age 70 for Full Social Security

June 13, 2025
Social Security full retirement age is currently 67 and there is talk to increase it to age 70. Recently, the country of Denmark passed laws increasing their full pension age to age 70. Will the U.S. follow this lead to help secure the future of Social Security?
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Survivor Benefits - Automatically Switching

June 6, 2025
If you are on Social Security and your spouse dies (or ex-spouse dies), do you automatically switch to the Survivor Benefit? In some cases, the switch is automatic, and in other cases it is not. In this show we discuss why it's important to consider not switching to Survivor benefits right away and also explain when the Social Security Administration will automatically make the switch for y...
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One Big Beautiful Retirement

May 29, 2025
In May of 2025, the House passed the "One Big, Beautiful, Tax Bill." It now goes to the Senate for approval. There are many provisions in this Bill that impact pre-retirees or those already in retirement the most.
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Retirement Spending Trends for Spouses with Separate Retirement Dates

May 22, 2025
Do spouses that retire at different times spend more or less in retirement? Does the decision of when each spouse retires really impact their level of spending? The study results we review in this show might surprise you.
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Ex-Spousal Social Security Benefits

May 15, 2025
Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. This holds true for certain DIVORCED spouses. In this show we talk about the rules and calculations around claiming Social Security benefits based on your ex-spouse.
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Social Security Spousal Benefits

May 8, 2025
Social Security spousal benefits allow for the lower earning spouse to potentially get an increase in benefits based on their spouse's work history. In this show we talk about the rules and calculations around claiming Social Security benefits based on your spouse.
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401k vs Pension

May 1, 2025
Which is better for retirement - a 401k or a Pension. We review the pros and cons of each retirement plan and decide which is preferrable for retirement planning. At age 62, would you rather have $1 million in a 401k or $75,000 per year in lifetime income?
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Why You Want a Market Crash

April 24, 2025
Are there people, including those close to retirement, that want to see a stock market correction? In this show we talk about the six types of people that enjoy Bear Markets and why you may want to be one of them.
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Retiring in a Bear Market

April 17, 2025
Retiring is a difficult task for many. If you happen to time retirement during a bear market, it may make things even more difficult. What should people do to alleviate the pressures associated with retiring as the market is going down?
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More Expensive to Retire in Florida

April 10, 2025
Where has it been getting more expensive to retire? Is Florida the "best" place to retire, or has it become the most expensive. The answer depends on who you ask. In this show we review three recent studies that show how expensive it has become to retire in the Sunshine State and elsewhere.
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Social Security & DOGE

April 3, 2025
Social Security is a big government program in the crosshairs of the Department of Government Efficiency (DOGE). Changes to the SSA in 2025 have been happening at a relatively face past (for a government agency). Are the rumors about how these changes are hurting the overall program and services true?
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Sacrificing Retirement for an Adult Child

March 27, 2025
More people are helping their adult children financially according to a 2025 survey. With the average support to an adult child of over $1,400 per month, this can become quite a drag on retirement savings. In this show we talk about the emotional and often difficult choices involved in this situation.
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60-Day IRA Rollover Rule

March 20, 2025
When you are moving your retirement funds from one account to another, it's important to follow the IRS rules, particularly if you are doing an indirect rollover. Be sure you are aware of the 60-Day rule to avoid taxes and a potential penalty when you least want it!
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Social Security Shortfall Preparation

March 13, 2025
Social Security payments are projected to fall short in the near future. How might this impact retirees and should claiming strategies adjust based on this potential income decrease?
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Tax Free Social Security

March 6, 2025
There has been proposals to eliminate taxation of Social Security income. What once was tax free, may become tax free again! Does this potential change impact filing strategies? Should you adjust when you claim based on this potential tax change?
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Tax Buckets in Retirement

February 27, 2025
Not all assets are taxed the same. In retirement, taxes can be your biggest expense. This is why properly structuring your assets into different tax buckets can be a very smart financial planning strategy. In this show we talk about three tax buckets (Taxable, Tax Deferred, Tax Free) and debate which one is the "best" for retirees.
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Retirement Income Buckets

February 21, 2025
Replacing your income when you retire is an important task. There are many different strategies to generate the income you need to live after your paycheck ends. One seemingly simple strategy is using Retirement Income Buckets. Is the "Bucket Approach" to retirement income as simple as is often made out to be?
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Fill Up Your Tax Bracket

February 13, 2025
Many people will show more income in order to completely "fill" a tax bracket. This strategy can lead to lower taxes in the long run and is often part of Roth Conversions. However, there are 3 important and often overlooked considerations when implementing this strategy.
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Surprise Tax Penalty in Retirement

February 6, 2025
One particular tax penalty that new retirees are surprised by has to do with paying estimated taxes. It's known as the "Underpayment of Estimated Tax by Individuals Penalty." This penalty is for those that fail to pay estimated quarterly taxes, which is often something overlooked by new retirees. Learn how to avoid this sneaky tax penalty.
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2025 Update: GPO & WEP Removed

January 31, 2025
Now that the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP) are no longer part of Social Security, what's next? How and when will I get an increase? What actions should I take now to increase my benefit? What's the latest from SSA?
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