Reviewing 2023: Retirement Podcast Resource List

Every week, we have podcasts come out, and as new listeners find us, it can get very tedious to find all the resources we provide. This week we have prepared an End of 2023 wrap up to highlight some of the episodes from this year. 

Reviewing 2023’s Episode List 

Finding an episode on your respective listening platform will vary, so we’re going to provide: 

  • Title 
  • Episode number 
  • Date 

We’ll also link to the location on our website where you can listen to each podcast to make it a bit easier to find. 

Ep. 193 – Navigating The Decision to Retire Now or Work Longer – January 16, 2023 

If you’re wondering if you can retire or if you’re ready to retire, you’ll love this episode. It can be an overwhelming process, so we take some time to outline important considerations such as: 

  • Budgeting 
  • Health and Age 
  • Goal and Interests 

This episode helps you think through your financial readiness to secure your retirement. 

Listen to the episode here. 

Ep. 197 – 10 Reasons Everyone Needs a Power of Attorney in Retirement – February 13, 2023 

Anything can happen at any time. A Power of Attorney, particularly a Durable Power of Attorney, is one that we’ve seen come up a lot this year with clients. Disability or incapacitation can happen at any time. 

We outline 10 very important reasons to have your Power of Attorney documents in order, including: 

  • Protecting Privacy 
  • Dealing with Tax Matters 
  • Having Someone to Manage Your Finances 

A Power of Attorney is up there in importance with your will and HIPAA authorization. 

You’ll learn the ins and outs of Power of Attorney documents in this episode. 

Listen to the episode here. 

Ep. 201 – Do You Need a Trust in Retirement? – March 13, 2023 

We did quite a few episodes on trusts this year because they’re such an important part of retirement planning. We’ve partnered with professionals in this area so that our clients can easily have a trust put in place for them. 

In this episode, we interview Andres Mazabel at Trust & Will. He addresses the common question, “Do I Need a Trust?”, to really help you understand if a trust is right for you or not. 

Listen to the episode here. 

Ep. 204 – Social Security Spousal Benefit in Retirement – April 3, 2023 

Social Security has a lot of complications, which is why we brought Heather Schreiber on to explain how spousal benefits work. In our example scenario, one client has worked their entire life, and his spouse did not. 

His spouse assumed that without working, she wouldn’t have Social Security, but we explained how she would receive $1,700 a month in benefits. 

For many couples, an additional $1,700 in benefits is completely finance-altering. If you’re close to Social Security age, this is certainly a good episode to listen to. 

Listen to the episode here. 

Ep. 208 – Maximizing Tax Benefits by “Bunching” – May 1, 2023 

If you’re charitably inclined, you can leverage “bunching” and donor-advised funds to save money on your taxes. In the episode, we discuss how you can bunch multiple years of contributions into one so that you can take a larger deduction. 

Utilizing this strategy has saved some of our clients hundreds or thousands of dollars. 

Listen to the episode here. 

Ep. 217 – You Have Enough to Retire, but How Do You Create an Income – July 3, 2023 

Creating income is challenging when you’re in the accumulation phase of life transitioning into the retirement phase. In this episode, we discuss how to put assets into buckets and methods that you can follow to have a consistent income. 

We talk about sequence of return risks and how to really have fun in retirement. 

Listen to the episode here. 

Ep. 219 – Annuities or CDs – What You Should Consider – July 17, 2023 

Last year, interest rates rose. For annuities and CDs, interest rates were favorable and therefore quite attractive to many people. In this episode, we cover what you need to think about when deciding between an annuity and a CD. 

Listen to the episode here. 

Ep. 223 – Protecting Against Cybersecurity Threats – August 14, 2023 

Cybersecurity is something that you may not expect to see on this list, but it’s a crucial topic that demands attention. Around this time of year (the holiday season), threats increase dramatically. 

You may receive spam and phishing threats from many directions, including texts and emails. 

We outline 14 items for you to consider to help protect yourself from these threats going into 2024. 

Listen to the episode here. 

Ep. 224 – Long-Term Care Planning Options – August 21, 2023 

Long-term care planning is something no one wants to think about, but it’s something that you really must dive into before you need it. Our guest Jessica Iverson talks with us about how this form of planning has evolved, the breakdown of increasing costs, and alternative options that are available. 

You do have options where you’re not stuck in a “use it or lose it” scenario, which is what we cover in great detail in this episode. 

Listen to the episode here. 

Ep. 226 – Integrated Wealth Management Experience in Retirement – September 4, 2023 

In this episode, we look at what integrated wealth management means and how it works in our practice. You will be interested in this episode if you want to know how we address: 

  • Income and tax planning 
  • Estate planning 
  • Long-term care 
  • Social Security 
  • Medicare 

Listen to the episode here. 

Ep. 231 – Social Security Taxation – How it Works in Retirement – October 9, 2023 

Many people are shocked to learn that they must pay taxes on their Social Security. We had our enrolled agent, Taylor Wolverton, CFP® walk us through: 

  • The factors and math behind Social Security Taxation 
  • How Social Security Taxation can impact your Retirement Planning 
  • How to know if you’ll be taxed on Social Security 

Listen to the episode here. 

Ep. 234 – Roth IRA – 5-Year Rule – Your Retirement – Part 2 with Denise Appleby – October 30, 2023 

Denise Appleby was our special guest during this episode, and she discusses Roth IRAs in such great detail that it’s a must-listen. We go over the rules for Roth accounts and conversions from start to finish in a nice and easy manner. 

Listen to the episode here. 

Ep. 235 – The Art of a Risk-Adjusted Portfolio in Retirement – November 6, 2023 

Risk in retirement exists, but you can use a risk-adjusted portfolio to hedge those risks. We explore determining risk tolerance and some of the strategy behind investment styles. We also take some time to define terms like: 

  • Core 
  • Tactical 
  • Structured notes 
  • Fixed income 

Listen to the episode here. 

Ep. 236 – Rae Dawson – The Basics of a CCRC – November 13, 2023 

Note: Rae was also on for Episode 236 on November 27 (listen here) for Part 2. 

Rae teaches a class on Continuous Care Retirement Community (CCRCs) at Duke University, and joined us on the podcast to dive in on the basics, such as: 

  • When’s the best time to join a community? 
  • Should you do an upfront or rent-only scenario? 
  • What to think about when choosing a CCRC? 

Listen to the episode here. 

Ep. 239 – Anne Rhodes – Estate Planning– Simplified – December 4, 2023 

Anne Rhodes from helped us simplify estate planning in retirement. She works closely with us and our clients to explain: 

  • Legal documents you need 
  • Reasons to have a trust vs a will 
  • What certain documents do  

Listen to the episode here. 

We look forward to our new schedule going into 2024 where we’ll continue to provide relevant insights every Monday with a more structured format. 

Click here to schedule a call with us to discuss any of the topics above in greater detail. 

December 4, 2023 Weekly Update

We do love it when someone refers a family member or friend to us.  Sometimes the question is, “How can we introduce them to you?”   Well, there are multiple ways but a very easy way is to simply forward them a link to this webpage.

Here are this week’s items:

Portfolio Update:  Murs and I have recorded our portfolio update for December 4, 2023

Anne Rhodes – Estate Planning in Retirement – Simplified

Listen in to learn about the importance of documents like the HIPAA form, certification of trust, and why you should consider a trust versus a will. You will also learn how is set up to reduce estate planning friction and simplify estate planning for financial advisors and their clients.


Estate Planning in Retirement – Simplified

Estate planning is a topic we often discuss with our clients. If you’re in the middle of retirement planning and trying to secure your retirement, an estate plan is something you want on your “to-do” list. Anne Rhodes, the Chief Legal Officer of, joined us on our latest podcast, where she provides a simplified rundown of estate planning for our audience.

Estate Planning – Simplified

Estate planning is a topic we often discuss with our clients. If you’re in the middle of retirement planning and trying to secure your retirement, an estate plan is something you want on your “to-do” list.

Anne Rhodes, the Chief Legal Officer of, joined us on our latest podcast, where she provides a simplified rundown of estate planning for our audience.

What Core Documents Make Up an Estate Plan?

Everyone – no matter the size of the estate – can break their estate plan into two large buckets. 

  • Bucket 1: Passing Away and Death: Who will step into your shoes? Who will help distribute these assets? Where are these assets going?
  • Bucket 2: Incapacity: Incapacitation remains a serious question because if you’re no longer able to make decisions on your own, you can assign someone you trust to assist you in this area.

Documents in a standard estate package should include a will, even if you have a living trust. Both a will and a living trust are key components of an estate plan. Even if you have a living trust, you’ll need a pour-over will.

A pour-over will is what initiates your asset transfer into a living trust at the time of your death if they’re not already in the trust.

You have a whole other set of documents that you need to think about with incapacitation:

  • Financial Power of Attorney: A financial document that allows someone to have signature authority over your matters for any financial documents that you must sign.
  • Advanced Healthcare Directive: This document may be called something else, such as a healthcare proxy or healthcare power of attorney.

HIPAA Form Purpose

A HIPAA document is a great example of a healthcare directive. When it comes to medical privacy, your agent acting on your behalf with an advanced healthcare directive does not have the power to access your private medical records unless the HIPAA is signed.

If your doctor does not have a HIPAA release on file, they cannot share pertinent information with the person that you want to make medical decisions on your behalf.

As you can imagine, if the person handling your healthcare decisions cannot access your medical information, they cannot make the best decisions for you.

Certificate of Trust

A certification of trust, also known as a certificate of trust, accompanies a living trust. This certification accompanies a living or revocable trust. What this certification of trust does is allow your bank to know that:

  • Your trust exists
  • You’re the trustee
  • The trust is 100% legitimate 

A certificate of trust is very important for streamlining your trust and ensuring that there are no issues along the way.

Trust vs. a Will

A living trust and revocable trust are the two most common forms of a trust because they’re a substitute for a will.

If you die without a will, your estate will go through a process called “probate.” Even if you have a will, your estate may still go through probate. A judge will be assigned during probate and must sign off on asset transfers. As you can imagine, involving a judge in every decision can take a while – especially in some states.

Court systems are handling a lot of cases, and if you’re in one of these states, a trust can help you avoid probate.

Probate also goes through the public system, which allows anyone to dig in and find information on what transpired during the probate process. In terms of privacy, you can keep much of your estate planning private with the help of a trust.

You may also have a trust because:

  • You own multiple properties across many states
  • You want to avoid probate in each state where you own property

If you secure your retirement and want to keep your estate out of probate, a trust is one of the best ways to achieve this goal.

Attorney Estate Planning vs (or similar platforms)

Digital platforms allow us to offer a simplified process of estate planning to our clients. Some clients are unsure if using an online platform like is the same as working with an estate planner. provides access to financial planners and similar professionals, streamlining the way that people create an estate plan.

Most people in the US can use and go through the entire estate plan on their own. You must fill in forms online, which can speed up the process to make it much faster than working with a lawyer one-on-one.

Anne’s company,, has had 70+ platform reviews from legal professionals, ensuring everything is accurate.

You can create a trust in 36 minutes with a platform like, breaking down barriers that exist with meeting with a lawyer.

 Can all families be helped with an online platform like

No. There are special case examples where we cannot serve certain families well, such as special needs children. is undergoing a survey to better help these clients. If, during the onboarding process, you answer that you have one of these situations, you will be prompted to find someone who specializes in these areas.

Do online platforms offer any personal help?

You may have one-off questions that you need answered when forming a trust, creating a will, and so on. Many platforms will not provide direct assistance in this area, but they may have an attorney network who will be available to you. vs other platforms

We’ve seen many legal platforms that attempt to help in numerous areas of law, and this is where things can kind of get messy. focuses on estate planning only and has built a team that can help in complex estate matters, whereas many do-it-all platforms cannot.

Since you must connect with financial advisors to use the platform, you also receive additional help you wouldn’t otherwise.

Note: You need to work with a professional advisor, like Peace of Mind Wealth, who grants you access to and can walk you through the process. If you just go to the website, you won’t be able to access the wealth of tools available.

Once you’ve filled out all the estate planning documents, printed them out and notarized them as needed, your estate plan is in place.

If you’re interested in financial planning and want to add an estate plan into the mix, feel free to reach out to us.

Click here to schedule a call with us today.