Americans are addicted to the stock market – the most overused investing tool on the planet is the mutual fund. LONG after we have too much money to need Mutual Funds (around 25k-50k), we continue to use them because some fee-hungry retail mutual fund salesman gets paid to keep us in them. If the stock […]


I came into this business in 2005 with no money, no gray hair, and no experience. Exactly what every retiree wants when working with a Financial Advisor, right? However, I did have a conviction for the truth. Two plus two is always four no matter who has said it. So I said to myself, “I’m […]


RR Episode 086: Ignorance or Morality, does it really matter? The Renovating Retirement podcast has now been live for almost nine months. Every week I review financial plans from people all over this great country. I’m speaking live in four cities, working with advisors in six cities and building financial plan for people all over […]


Hosting a podcast takes a lot of time, but it’s also very rewarding. I’ve interviewed a few people on my show, and I’ve had the opportunity to be interviewed on a few shows as well. One being The Old Dawg’s REI Network The Old Dawg’s REI Network is hosted by Bill Manassero. He presents an engaging series […]


RR Episode 081: The Problem of Reverse Dollar Cost Averaging Dollar Cost Averaging is a very popular strategy when you are saving money for retirement. When you retire and begin taking money out of retirement accounts, Reverse Dollar Cost Averaging presents a problem and it’s important to understand this problem. In this episode, I’ll explain Reverse […]


RR Episode 072: Divorcing the IRS Using Roth Conversions  Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k income in the future? For those who think taxes may go up, this episode explores the option of converting your existing Qualified […]


RR Episode 071: Avoid Paying Taxes on Social Security Income by Understanding the Tax Torpedo Taking money from IRA’s and 401K’s may allow the IRS to charge taxes on your Social Security Income. In this episode, I’ll do a brief explanation of the problem we call the tax torpedo! Included in this episode: If you […]


RR Episode 070: Are Taxes Going to go Up or Down? Most people should not be using 401K’s and IRA’s to save for retirement. So what should you be doing? Should you use pretax money and invest in 401K’s and IRA’s or after tax money and use Roth IRA’s and Cash Value Life Insurance? It’s […]

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