Navigating Retirement Podcast
Welcome to Navigating Retirement, a friendly conversation on all things finance for retired people and those getting ready for retirement. Join hosts Brad Lineberger, CFP® & Matt Callahan, CFP®, as they discuss topics such as investing, retirement, Social Security, estate planning, taxes, current events, and more. 👉Website: https://seasidewealth.com/ 🤔Questions for Brad? brad@seasidewealth.com 🤔Questions for Matt? matt@seasidewealth.com 📱Give us a call: (760) 730-8120
Episodes
Is talking openly about money with aging parents really necessary — or can it wait?
In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan share what happens to families who skip this conversation, and give you a clear framework for having it before it's too late.
They cover why a will alone still sends your assets to probate, how to confirm a trust is actually funded, wh...
Is selling your home and downsizing in retirement actually a smart move — or a costly mistake? In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan break down the real pros, cons, and tax consequences of downsizing, so you can make the right call for your financial future and your quality of life.
They cover the Section 121 capital gains exclusion (up to $500,000 for couples), ...
Are required minimum distributions creating tax bills you weren't expecting in retirement? In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan break down three strategies to lower your RMDs, reduce your lifetime tax bill, and stop overpaying the IRS.
They cover Roth conversions in the gap years, QCDs for tax-free charitable giving up to $111,000 in 2026, and investing RMD ...
Is a late-life divorce putting your retirement at risk? In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan break down the financial moves you need to make — and the costly mistakes to avoid — when divorce happens after 50.
They cover how a QDRO lets you split a 401(k) without triggering a tax bill, when to keep assets in a 401(k) versus rolling to an IRA, how to claim Social ...
Are you unknowingly handing the IRS more than you owe? In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan walk through the five biggest retirement tax mistakes made at filing time — covering tax gain harvesting at the zero-percent capital gains rate, the Social Security tax torpedo, IRMAA Medicare thresholds, qualified charitable distributions, and how to optimize your tax brack...
Wondering if a million dollars is actually enough to retire on? In this episode of Navigating Retirement, Certified Financial Planners Brad Lineberger and Matt Callahan break down everything you need to know about retiring with $1 million — covering the three tax buckets, the updated 5% safe withdrawal rule, Roth conversion strategies, sequence of returns risk, and how Social Security timing and inflation impact how long your money...
Confused about when to claim Social Security? In this episode of Navigating Retirement, Certified Financial Planners Brad Leibberger and Matt Callahan break down everything you need to know about claiming at 62, full retirement age, or 70 — so you can make the smartest decision for your retirement.
They dive deep into the Social Security break-even point (ages 79–81), spousal and survivor benefit coordination strategies, and the...
Planning your retirement requires clear answers to critical financial questions that determine your future security. In this episode, Certified Financial Planners Brad Lineberger and Matt Callahan tackle the ten most frequently asked pre-retirement questions from their community classes.
They break down Social Security claiming strategies, optimal withdrawal rates, Roth conversion frameworks, 401(k) rollover decisions, and tax-effic...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthAfter 40 weekly episodes, we thought it was time to do an episode where we tell you all about who we are as people outside of work, our journey into financial advising, and what drives us to help families reach their goals. ===🎧Follow our podcast "Navigating Retirement" by using our RSS feed: https://open.spotify.com/show...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealth
Investing is fun, and with technology, it's easier than ever to trade. But there are a lot of risks that increase with active investing. On today's show, Matt and Brad debate which strategy is better for your investing: Active or Passive. ===🎧Follow our podcast "Navigating Retirement" by using our RSS feed: https:...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthWarren Buffett says cash is a bad investment. Is that actually true? If you're close to or in retirement, does it make sense for you to have some cash on hand to pay less tax and increase your wealth? In this episode, Matt and Brad discuss the power of cash. They discuss when to have it and when to use it. Welcome to Navigating ...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad discuss what would have happened to you if put the predictions of Wall Street into action in 2025. They also discuss what they think will happen in the markets in 2026. Welcome to Navigating Retirement! A fun and friendly conversation on helping you reduce the fear of running out of money in retirement...
Welcome to 2026! 🎇 Matt and I are here to guide you through some smart financial planning to set yourself up for long-term success. We'll share essential money tips and strategies for effective financial management to help you achieve financial success. This year, focus on goal setting to build wealth for years to come. 📈
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🎧Follow our podcast "Navigating Retirement" by using our RSS feed:
https://open....
In this episode, Matt and Brad discuss if the 4% is still practical these days and some strategies for how to manage your withdrawals in retirement. Welcome to Navigating Retirement! A fun and friendly conversation on helping you reduce the fear of running out of money in retirement and build generational wealth. ===🎧Follow our podcast "Navigating Retirement" by using our RSS feed: https://open.spotify.com/show/6S8H7hgEl...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad ring in the New Year with some sound strategies for you to add to your list of financial goals to help you build wealth and retire in style. Welcome to Navigating Retirement! A fun and friendly conversation on helping you reduce the fear of running out of money in retirement and build generational weal...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad welcome special guest Jake Lincoln, CPA of Coastal Tax Advisors to discuss the importance of tax planning and tax loopholes that are often underutilized to build wealth. Chances are you are overpaying taxes and tipping the IRS every year. To talk to Jake and his team, visit: https://coastaltaxadvisors....
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad discuss the wild ride of the stock market in 2025. If you're an investor, you've seen some highs and lows this year. Hopefully, you ended up in the green, but if not, we discuss some tax strategies to take advantage of your losses and how to prepare for 2026.Welcome to Navigating Retirement! A ...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad discuss their best tax dodging strategies they've used for their clients. You have the right to use every tax rule that you can to lower your lifetime tax bill. Pay your share, but never leave the IRS a tip. Welcome to Navigating Retirement! A fun and friendly conversation on helping you reduce the...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad discuss how, why, and when to rebalance your portfolio. What should you buy, sell, or hold? The end of the year is a good time to rebalance your investments, but you should know the tax laws that come with selling your investments. Welcome to Navigating Retirement! A fun and friendly conversation on he...
✅ Schedule a Retirement Strategy session with us here: https://7ym2vglvi6z.typeform.com/SeasideWealthIn this episode, Matt and Brad discuss all the smart moves you can make before the end of the year to set yourself up for success in 2026. Do these now! Welcome to Navigating Retirement! A fun and friendly conversation on helping you reduce the fear of running out of money in retirement and build generational wealth. ===🎧Follow our...
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