Ep 24: Who do I talk to about Medicare? - with Rob Bain

Ep 24: Who do I talk to about Medicare? - with Rob Bain

If most of your Medicare education comes from daytime TV ads, you’re missing some important details. Our Head of Insurance, Rob Bain, wants to change that. Because if retirement is within arm’s reach, you’ll need to make alot of Medicare decisions soon. In this episode of Money On Your Mind, host Michael Liersch talks with Rob about the different parts of Medicare and who can provide you with unbiased answers to your questions (like the difference between Medicare and MedicareAdvantage), as well as the options available for retired federal employees and military servicemembers. Michael and Rob also talk about a decision-making timeline for Medicare plans and how to avoid common pitfalls like HSA clawbacks and missed deadlines. Spoiler alert: We suggest planning ahead more than a couple months beforeretiring. Finally, Rob has a word of advice for those already enrolled in Medicare. Subscribe to Money On Your Mind so you never miss an episode.   Money on Your Mind is produced by Edelman Financial Engines and hosted by Michael Liersch. Information is believed to be reliable but is not guaranteed. This content is for educational purposes only and does not constitute investment, legal, insurance or tax advice. It is not an offer to buy orsell any product and does not represent an endorsement of third parties. All investments have inherent risks. Consult a financial advisor before investing. Individual results may vary.   Neither Financial Engines Advisors L.L.C. nor any of its advisors sell insurance products. Edelman Financial Engines affiliates may receive insurance-related compensation for the referral of insurance opportunities to third parties if individuals elect to purchase insurance through those third parties. You are encouraged to review this information with your insuranceagent or broker to determine the best options for your particular circumstances.   © 2026 Edelman Financial Engines, LLC. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registeredinvestment advisor. Certain services provided on an educational and guidance basis only. Results are not guaranteed. Produced June 2026. AM 5583793

Ep 23: What mental barriers stop people from investing? - with Kay Russell

When you hear “investor,” what comes to mind? For many people, it’s someone wealthy or financially savvy, and that can make you think investing’s not for you. But financial planner Kay Russell says that’s totally wrong – investing is for everyone, and she’s seen the proof over and over. The firststep is overcoming your imposter syndrome.   In this episode of Money On Your Mind, host Michael Liersch talks with Kay about why you don’t need to be rich to invest, why it’s never too late to begin, and how fear, shame and lack of time often keep people stuck on the sidelines. Michael and Kay also share the personal stories that sparked their passion for making investing more accessible and less intimidating, no matter where you’re starting from – and highlight the ways many people are already investing without realizing it.   Subscribe to Money On Your Mind so you never miss an episode.   Money on Your Mind is produced by Edelman FinancialEngines and hosted by Michael Liersch. Information is believed to be reliable but is not guaranteed. This content is for educational purposes only and does not constitute investment, legal, insurance or tax advice. It is not an offerto buy or sell any product and does not represent an endorsement of third parties. All investments have inherent risks. Consult a financial advisor before investing. Individual results may vary.  Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performanceand cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results.    An index is a portfolio of specific securities (such as the S&P 500, Dow Jones Industrial Average and Nasdaq composite), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results.   © 2026 Edelman Financial Engines, LLC. Edelman FinancialEngines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Certain services provided on an educational andguidance basis only. Results are not guaranteed. Produced June 2026. AM 5562319

Ep 22: What’s next for financial planning? - with Bill Schultheis

For all the technology and financial playbooks available today, the fundamentals of building a nest egg haven’t changed: work, save, establish your lifestyle and enjoy it into retirement. And the way EFE Financial Planner and author Bill Schultheis sees it, the real challenge isn’t knowing WHAT to do, it’s knowing HOW to make decisions. Especially as retirement gets closer. In this episode of Money On Your Mind, host Michael Liersch talks with Bill about why some people are turning to technology, like artificial intelligence, to handle complex financial decisions, and where those tools can fall short. And why human judgement and trusted advice become even more valuable as life goes on. Michael and Bill also share practical guidance for people in their mid-20s, why “old-fashioned” financial wisdom is still true today and reveal the one question everyone should ask themselves before spending money. Subscribe to Money On Your Mind so you never miss an episode.  Money on Your Mind is produced by Edelman FinancialEngines and hosted by Michael Liersch. Information is believed to be reliable but is not guaranteed. This content is for educational purposes only and does not constitute investment, legal, insurance or tax advice. It is not an offerto buy or sell any product and does not represent an endorsement of third parties. All investments have inherent risks. Consult a financial advisor before investing. Individual results may vary. Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results.    An index is a portfolio of specific securities (such as the S&P 500, Dow Jones Industrial Average and Nasdaq composite), the performance of which is often used as a benchmark in judging the relative performance of certain asset classes. Indexes are unmanaged portfolios and investors cannot invest directly in an index. Past performance does not guarantee future results. © 2026 Edelman Financial Engines, LLC. Edelman FinancialEngines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Certain services provided on an educational andguidance basis only. Results are not guaranteed. Produced June 2026. AM 5543687

Ep 21: Why do people like Health Savings Accounts? - with Christy Martinich

Believe it or not, your HSA could be a valuable part ofyour financial plan – if you know how to really use it. According to EFE Financial Planner Christy Martinich, the real power of an HSA is paying medical expenses out of pocket and investing the HSA funds long term. In this episode of Money on Your Mind, host Michael Liersch and planner Christy Martinich break down why HSAs are so appealing to those in the know, and common misconceptions about how the account works. They also chat about taking an honest look at your monthly expenses and why it might be time to include subscriptions in your spring cleaning. Frequent listener? Consider leaving us a review, and comment about what you’d like us to discuss next. Money on Your Mind is produced by Edelman FinancialEngines and hosted by Michael Liersch. Information is believed to be reliable but is not guaranteed. This content is for educational purposes only and does not constitute investment, legal, insurance or tax advice. It is not an offer to buy or sell any product and does not represent an endorsement of third parties. All investments have inherent risks. Consult a financial advisor before investing. Individual results may vary.   Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results. Neither Edelman Financial Engines nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from your qualified tax and/or legal professionals to help determine the best options for your particular circumstances. © 2026 Edelman Financial Engines, LLC. Edelman FinancialEngines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Certain services provided on an educational and guidance basis only. Results are not guaranteed. Produced May 2026. AM 5522947.

Ep. 20: How can I get realistic about my spending? - with Kelli Smith

Many of us start retirement planning by thinking big – maybe too big. According to EFE financial planner Kelli Smith, new clients often want to start by considering how markets and world events may shape their retirement. But outside influences are only part of the story. You need to take an honest look at your spending, too.  In this episode of Money on Your Mind, host Michael Liersch and financial planner Kelli Smith get real about why planning for your retirement tomorrow must begin with noticing your spending today. Learn how to calculate the price of your lifestyle (and what that means for your retirement), staying accountable to your financial wellbeing and how to use money to fund true happiness and fulfillment.  Frequent listener? Consider leaving us a review, and comment about what you’d like us to discuss next.  Money on Your Mind is produced by Edelman Financial Engines and hosted by Michael Liersch. Information is believed to be reliable but is not guaranteed. This content is for educational purposes only and does not constitute investment, legal, insurance or tax advice. It is not an offer to buy or sell any product and does not represent an endorsement of third parties. All investments have inherent risks. Consult a financial advisor before investing. Individual results may vary.     Investing strategies, such as asset allocation, diversification or rebalancing, do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. All investments have inherent risks, including loss of principal. There are no guarantees that a portfolio employing these or any other strategy will outperform a portfolio that does not engage in such strategies. Past performance does not guarantee future results.  Neither Edelman Financial Engines nor its affiliates offer tax or legal advice. Interested parties are strongly encouraged to seek advice from your qualified tax and/or legal professionals to help determine the best options for your particular circumstances.  © 2026 Edelman Financial Engines, LLC. Edelman Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Certain services provided on an educational and guidance basis only. Results are not guaranteed. Produced April 2026. AM5436720