The Roth Shake-Up: Should You Combine Your Accounts?

What Your Advisor Isn’t Showing You

The biggest drain on your retirement savings might be the one you never see. Hidden fees—from advisor charges to fund expenses—can quietly erode your portfolio over time. Kelton Burgess breaks down where these costs hide, why most investors don’t fully understand what they’re paying, and how transparency impacts performance. He discusses industry shifts toward fee-based advice, the role of ETFs and mutual funds, and why a deeper audit of your accounts matters more than most realize. It’s a closer look at what your money is really doing—and what it’s really costing you. Click here [https://www.cranberrywealth.com/contact] to schedule an appointment with Kelton and his team or call 724-766-8853. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

What Actually Keeps Retirees Up at Night

What if retirement really comes down to a few core trade-offs most people overlook? This episode breaks down the layered worries behind retirement planning, starting with health versus wealth and expanding into income versus longevity. Kelton Burgess unpacks how longer lifespans and fewer pensions raise the stakes for reliable income, while market volatility highlights the balance between control and uncertainty. The conversation also explores the importance of proactive planning over reactive decisions and tuning out financial noise. With a focus on building a flexible, comprehensive strategy, this episode highlights how clarity can replace chaos in today’s unpredictable retirement landscape. Click here [https://www.cranberrywealth.com/contact] to schedule an appointment with Kelton and his team or call 724-766-8853. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Cost of Waiting on Legacy Planning

Procrastination might feel harmless, until it quietly reshapes your family’s future. Kelton Burgess breaks down why legacy planning is so often delayed, from fear of confronting mortality to the misconception that it’s only for the wealthy. Using real-world examples, the conversation highlights how avoiding wills, powers of attorney, and basic planning decisions can leave loved ones with difficult consequences. Kelton outlines a simple starting point, cuts through confusion fueled by bad information, and reframes legacy planning as a meaningful step taken for others, not yourself. Click here [https://www.cranberrywealth.com/contact] to schedule an appointment with Kelton and his team or call 724-766-8853. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Roth Shake-Up: Should You Combine Your Accounts?

A proposed rule change could reshape how Roth accounts are managed, but is simpler always better? Kelton Burgess breaks down the potential for rolling personal Roth IRAs into workplace plans, explaining why Congress is considering the shift and what it could mean for fees, taxes, and account management. The discussion explores the appeal of consolidating assets, the importance of preserving tax-free growth, and why employer plan differences matter. Click here [https://www.cranberrywealth.com/contact] to schedule an appointment with Kelton and his team or call 724-766-8853. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Outliving Your Money? Rethinking Retirement for Longer Lives

What if retirement lasts just as long as your career? Kelton Burgess explores the growing reality of 40-year retirements and why longevity is reshaping financial planning. As pensions disappear and more retirees rely on personal savings and Social Security, the pressure to make assets last has intensified. Kelton breaks down the risks of market-heavy portfolios, questions outdated rules like the 4% guideline, and highlights how flexibility—including part-time work—can play a role in long-term strategies. This episode examines how shifting timelines and evolving income sources are changing the retirement landscape and what that means for those preparing for decades beyond their working years. Click here [https://www.cranberrywealth.com/contact] to schedule an appointment with Kelton and his team or call 724-766-8853. See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.