The Retirement Solution
Irreverent, in-your-face and inspiring. That’s Jon Hicks’ approach to helping teach people about retirement. As the author of “The Retirement Solution” and the host of “The Retirement Solution” on 840 WHAS in Louisville, Kentucky, Jon has made it his mission to turn the retirement crisis into an opportunity, by helping people find the retirement solution that’s unique to them. Each week, he covers the financial headlines, and helps people focus on ways to reduce fees, taxes and squeeze every available penny out of their retirement portfolio. You can find him online at www.retirementsolutionradio.com.
Episodes
April 29, 2025 • 12 mins
Are you truly ready for retirement? Jon Hicks dives into the emotional and financial aspects of retiring, emphasizing four crucial elements: emotional preparedness, sufficient savings, managing portfolio depletion, and discussing plans with your significant other. These factors are vital in determining whether you can retire now or need to wait. Planning for retirement involves understanding both financial stability and personal re...
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April 22, 2025 • 13 mins
Retirement planning can be simplified using a three-bucket approach:
- Immediate Income
- Short-term Income
- Long-term Growth.
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April 15, 2025 • 12 mins
The market’s up… the market’s down… back up… then back down… and tariff policy is constantly changing. Is stability possible during nonstop turbulence? Jon Hicks dives into the essentials of setting up a secure retirement plan amidst economic uncertainties and ever-changing policies. He explains how to balance risk and safety with clear strategies that could ensure steady income while safeguarding principal. Jon also touches on how...
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April 8, 2025 • 13 mins
What investments are dragging down your portfolio? Jon Hicks explains how to clean out your investments and eliminate underperformers such as TDFs to maximize gains. He discusses the option of rolling over your 401k into a self-directed IRA at 59 and a half to gain more control of the assets to invest in. Jon also touches on other investments to avoid, such as high-dividend ETFs that pose more risk than people may realize. Schedule...
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April 1, 2025 • 13 mins
Retirement can be unpredictable, especially when faced with unexpected layoffs and economic shifts. Jon Hicks explores the emotional and financial impact of forced early retirement and offers practical strategies for navigating these challenges. From calculating buyout packages to adjusting retirement plans, Jon covers essential steps that could lead to a secure and stable future during your golden years. Schedule your complimentar...
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March 25, 2025 • 12 mins
Is stagflation a possibility? Is a recession looming? How will these impact your retirement? Jon Hicks explains that with economic uncertainty and market fluctuations, retirees and those nearing retirement need to prepare for potential financial challenges. He explores the impact of market downturns, emphasizing the importance of maintaining income streams during such periods and mitigating taxes through proper planning. Schedule y...
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March 18, 2025 • 13 mins
Ever wondered how market risk affects your retirement plans? In times of economic uncertainty with Trump’s plans for tariffs, Jon Hicks explains that understanding income sources, maintaining emergency reserves, and evaluating risk tolerance are essential to retirement planning. He explores strategies to find security amidst market turbulence, with insights into creating a balanced portfolio. Schedule your complimentary appointment...
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March 11, 2025 • 14 mins
Jon Hicks explores how fluctuating tariffs and unpredictable policies impact your investments. He discusses strategies to protect your retirement funds and navigate market volatility, highlighting the importance of having a solid distribution and income plan. Jon explains the importance of understanding the risks associated with sequence of returns and how to avoid common pitfalls that can jeopardize your financial future. Schedule...
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March 4, 2025 • 14 mins
In today's market climate, diversifying your 401k is crucial as relying solely on the S&P 500 might not be the best strategy. Jon Hicks breaks down historical data that shows that energy, commodities, and managed futures can offer better returns during periods of market stagnation. By understanding the overlap in your investments, Jon explains that you can make smarter decisions and potentially reduce costs. Jon also explores h...
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February 25, 2025 • 13 mins
Are you prepared for high interest rates in retirement? With inflation and rates remaining higher, Jon Hicks explains why it's crucial to understand the impact these things have on your investments and debt. He explores the importance of locking in high-rate investments, understanding market risks, and ensuring your portfolio is protected. Jon discusses strategies for both pre-retirees and retirees and emphasizes the need for a com...
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February 18, 2025 • 12 mins
Retirement portfolios potentially face significant challenges due to potential low returns over the next decade. Jon Hicks explores why historical patterns show that after high returns, markets often experience downturns or low growth periods. He explains that the key is understanding protections, returns assumptions, and seizing current opportunities. With inflation and market volatility, it's crucial to plan effectively to ensure...
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February 11, 2025 • 12 mins
Artificial intelligence is reshaping our world, but how will it impact your retirement? Jon Hicks dives into the potential volatility AI introduces to the market and how it intertwines with President Trump’s policies, affecting tariffs and trade. He discusses the implications for your investments, especially if you're nearing retirement. Jon emphasizes the need for strategic planning to navigate market fluctuations and ensure finan...
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February 4, 2025 • 13 mins
Over 60% of people aged 55 to 75 prioritize protecting their savings over seeking growth. With recent economic shifts and the Fed pausing interest rate cuts, understanding how to safeguard your retirement funds is crucial. Jon Hicks discusses current market trends and strategies for maintaining your wealth in uncertain times. Schedule your complimentary appointment today: RetirementSolutionShow.com Follow us on social media: YouTub...
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January 28, 2025 • 12 mins
Navigating the complexities of estate planning and taxes is crucial for future financial stability. Jon Hicks discusses the intricacies of managing highly appreciated assets and real estate, emphasizing the importance of strategic planning to mitigate tax burdens. He highlights various trust structures that can help avoid significant taxation on assets, allowing for a more flexible and efficient wealth transfer. Schedule your compl...
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January 21, 2025 • 13 mins
With the end of 2024 showing unexpected turbulence, Jon Hicks discusses the rollercoaster of market trends, touching on everything from record bull runs to potential impacts of geopolitical events like the Ukraine-Russia conflict and China's economic maneuvers. As investors grapple with decisions of risk versus safety, Jon highlights the importance of assessing your financial goals and timelines. He emphasizes safe asset classes of...
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January 14, 2025 • 12 mins
Retirement can be a challenging financial journey, especially with market volatility and changing administrations as Trump is set to begin his second term. In this episode, Jon Hicks discusses that many investors struggle with timing the market, often missing out on significant gains. Instead of focusing on short-term fluctuations, Jon emphasizes why it’s crucial to develop a long-term strategy that includes understanding protectio...
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January 7, 2025 • 13 mins
How do you prepare for retirement amidst global uncertainties and volatile markets? Jon Hicks addresses the importance of comprehensive retirement planning and explores the current high-risk environment. He also covers the impact of global events, such as geopolitical tensions and the rise of cryptocurrencies, on retirement planning. Visit RetirementSolutionShow.com to begin building your unique retirement plan today!See omnystudio...
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December 24, 2024 • 14 mins
The 4% Rule is outdated and doesn’t apply to most people in today’s retirement. Jon Hicks tackles the problem of income protection and why retirement plans need to be tailored to unique circumstances. He highlights different strategies to consider that focus on maximizing savings to achieve retirement goals that are sustainable over 20-30 years. Visit RetirementSolutionShow.com to begin building your retirement plan today!See omnys...
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December 17, 2024 • 13 mins
Jon Hicks discusses how retirees can create a meaningful legacy through charitable giving & volunteering and highlights the late Bernie Marcus's (co-founder of Home Depot) intention to donate 90% of his wealth with the stipulation that it must be spent within 20 years. Jon emphasizes that contributing time and skills can be as impactful as monetary donations. He urges retirees to consider how they can utilize their resources to...
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December 10, 2024 • 13 mins
Are you unknowingly giving away half of your retirement savings? Many hardworking individuals face higher taxes in retirement than during their working years, diminishing their carefully saved funds. This episode delves into the reality that despite earning a tax break when investing in 401ks or IRAs, retirees often encounter higher tax brackets, resulting in significant losses. Jon explains the concept of asset location and tax sh...
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