The Savvy Investor Podcast

Ryan Herbert and Lawrence Kiely dive into the 50th anniversary of Jaws—and use it as a metaphor for the hidden dangers lurking in retirement accounts. From Required Minimum Distributions (RMDs) to Roth conversions, they break down how tax planning can be the “bigger boat” you need to stay afloat in retirement. Learn how a proactive tax strategy could potentially save you hundreds of thousands—even milli...

What if your million-dollar retirement plan is only worth half that? Ryan Herbert and Lawrence Kiely unpack the hidden costs of financial fees and taxes that can quietly erode your nest egg. They break down the real cost of “free” financial advice, the myth of lower taxes in retirement, and why communication with your advisor matters more than ever. Ryan and Lawrence reveal how to spot value in financial planning and av...

Think having target date funds is a good idea? Think again. In this episode of the Savvy Investor, Ryan Herbert and Lawrence Kiely break down the hidden risks and misconceptions behind target date funds in your 401(k). From market downturns to fee traps, they reveal why these “set-it-and-forget-it” investments may not be the safe bet you think they are. Learn how to take control of your retirement strategy, explore smar...

What do destination weddings and retirement planning have in common? More than you think. In this episode, Mike Canet and Samantha Nash dive into the unexpected financial curveballs—like lavish weddings, surprise home repairs, and rising healthcare costs—that can derail even the best-laid retirement plans. With humor and real-life stories, they explore how to build flexibility into your income strategy so you can enjoy ...

What if your retirement plan is quietly setting you up for a multi-million-dollar tax bill? In this episode, Mike Canet and Ryan Herbert unpack real-life stories of retirees blindsided by taxes—and how smart planning could have saved them millions. From overlooked Roth conversions to the fine print your advisor won’t discuss, they reveal how to legally minimize your tax burden and keep more of what you’ve earned.

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Retirement planning often revolves around one critical fear: running out of money. A recent study highlights that retirees with guaranteed income, such as pensions, spend 42% more than those relying solely on savings, showcasing the confidence that steady income can provide. Ryan Herbert and Katherine Groce explain that understanding monthly expenses and crafting a plan that secures income through diverse options—market inves...

Retirement doesn’t have to mean taking unnecessary risks with your savings. Mike Canet & Katherine Groce explain how thoughtful planning and tailored strategies can help retirees create sustainable income streams while minimizing exposure to market volatility. They highlight examples of retirees, like one who thrives with just a 5% return by living within his means and structuring his investments wisely. Mike & Kather...

Mike Canet and Ryan Herbert reflect on Warren Buffet’s recent retirement and one of his many famous quotes: “Never run out of money.” They discuss creating income streams that retirees cannot outlive and emphasize the importance of protecting savings from market volatility while ensuring consistent growth through methods like dividend-paying stocks, preferred shares, or annuities.

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Your IRA in retirement. You can leave it, roll it, or cash it out. How do we know what works best for us and what do we have to watch out for?

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A study from AARP revealed that Americans that are 50 years old or older pay 59% of all federal income tax. Contrary to popular belief, many retirees face higher tax obligations due to required minimum distributions (RMDs), Social Security taxes, and insufficient planning during their working years. Mike Canet and Samantha Nash explain that with strategic tax planning, retirees can reduce the burden by leveraging lower tax rates ea...

Lawrence Kiely and Samantha Nash explain the complexities of tax planning, particularly focusing on the differences between tax strategies during working years and retirement. They highlight the importance of proactive tax planning, the implications of Roth conversions, and the impact of required minimum distributions (RMDs) on retirement savings. The discussion also touches on the government's approach to taxation and the signific...

In this episode of the Savvy Investor Podcast, Katherine Groce and Samantha Nash discuss the complexities of tax strategies, retirement income, and investment planning. They emphasize the importance of understanding market volatility and how it can present opportunities for long-term investors. The conversation also delves into the psychological aspects of retirement, the significance of annuities for income generation, and the nee...

In this episode, financial planners Lawrence Kiley and Samantha Nash discuss the impact of market volatility on retirement planning. They emphasize the importance of having a well-structured investment strategy that includes income buckets to ensure financial stability during turbulent times. The conversation also highlights the differences in concerns between existing clients and prospective clients, as well as the proactive appro...

This conversation with Mike Canet and Ryan Herbert delves into the intricacies of retirement planning, focusing on the importance of understanding income streams, tax strategies, and the role of fiduciary advisors. Ryan and Mike emphasize the need for effective tax planning to maximize retirement income and avoid common pitfalls that can lead to unnecessary tax burdens. They discuss the benefits of Roth IRAs and the significance of...

In this episode of the Savvy Investor Radio Show, hosts Katherine Groce and Samantha Nash discuss the intricacies of financial planning during tax season, the implications of market volatility, and strategies for transitioning from growth to income in retirement. They emphasize the importance of having a structured plan that accommodates both growth and income needs, particularly for those approaching retirement. The conversation a...

Tax Planning and tax preparation are very different! Ryan Herbert and Lawrence Kiely explain the complexities of tax planning and preparation for retirement, highlighting common misconceptions about taxes, the importance of understanding tax implications on retirement accounts, and strategies for minimizing tax burdens. They also share why you need a proactive tax planning to avoid costly mistakes and ensure financial security in r...

Are you thinking about when to retire and how it will impact your financial future? Katherine Groce & Samantha Nash explore the complexities of retirement planning, highlighting the importance of personalized financial strategies. They discuss the emotional and financial decisions involved, the benefits of retiring early versus later, and how to balance work and life goals for a fulfilling retirement. Katherine & Samantha a...

What is the #1 way retirees pull income? A recent study by Charles Schwab reveals seven key income sources for retirees, with the top leading the list at 40%. Ryan Herbert and Lawrence Kiely highlight several strategies and list the primary factors retirees need to focus on when building out an income plan.

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Are you underestimating the impact of taxes on your retirement? Katherine Groce & Samantha Nash discuss how taxes can be a significant expense in retirement, often overlooked by many and dispelling the myth that taxes are lower in retirement. They emphasize the importance of proper tax planning to avoid unexpected financial burdens. 

Want to begin building your retirement plan? Schedule a call with us here: 📅 https://bit....