The Aul Financial Hour

The Retirement Tax Trap Hiding in Your Income Plan

What happens to your income—and your taxes—when the paycheck stops in retirement? This episode breaks down how annuities are taxed, why account type matters, and how income streams can help close retirement gaps. Steve Aul explains the impact of pre-tax vs. after-tax dollars, challenges outdated financial rules, and highlights risks of relying too heavily on cash. The conversation also explores tax surprises when selling a home or business, plus key strategies for Social Security timing. It’s a practical look at balancing income, taxes, and long-term planning in today’s retirement landscape. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here [https://calendly.com/aulfg-info/15_consult?month=2025-05]. Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ [https://aulfinancialgroup.com/aul-media/] . Facebook [https://www.facebook.com/aulfinancialgroup] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Annuity Debate: Tool of the Past or Fit for Today?

Annuities might be the most misunderstood word in retirement planning—and that misunderstanding could be costly. On this episode, Steve Aul breaks down why annuities get such a bad reputation, how today’s versions differ from the past, and where they may—or may not—fit into a retirement strategy. The conversation also covers managing emotions near retirement, protecting income during market volatility, and how interest rates influence pensions, CDs, and guaranteed income decisions. It’s a practical look at tools, trade-offs, and timing as retirement gets closer. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here [https://calendly.com/aulfg-info/15_consult?month=2025-05]. Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ [https://aulfinancialgroup.com/aul-media/] . Facebook [https://www.facebook.com/aulfinancialgroup] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

When Market Fear Shapes Retirement Decisions

When markets swing and inflation lingers, why do even well‑prepared retirees still feel uneasy? On this episode, Steve Aul discusses how emotional reactions can derail retirement decisions during periods of volatility. The conversation explores common missteps driven by fear, how inflation and healthcare costs factor into long‑term planning, and why understanding risk, income needs, and portfolio alignment matters as retirement approaches. Steve also explains the importance of communication within couples, realistic spending expectations, and how tools like rebalancing can help manage risk amid market uncertainty. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here [https://calendly.com/aulfg-info/15_consult?month=2025-05]. Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ [https://aulfinancialgroup.com/aul-media/] . Facebook [https://www.facebook.com/aulfinancialgroup] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Inflation’s Silent Impact on Retirement Planning

Inflation quietly reshapes retirement long before most people notice the damage. On this episode, Steve Aul breaks down why inflation, taxes, and overlooked planning gaps pose real challenges for retirees. The conversation explores how rising costs erode purchasing power over time, common DIY retirement mistakes, and the disconnect between income, expenses, and long-term lifestyle expectations. Steve also touches on required minimum distributions, tax exposure, healthcare costs, and income strategies retirees are asking about today—highlighting why a coordinated plan matters as retirement landscapes continue to change. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here [https://calendly.com/aulfg-info/15_consult?month=2025-05]. Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ [https://aulfinancialgroup.com/aul-media/] . Facebook [https://www.facebook.com/aulfinancialgroup]   See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Retirement Risk Most Investors Don’t See Coming

What happens if the market drops just as you start pulling income from your portfolio? On this episode, Steve Aul breaks down sequence of returns risk and why investing for retirement looks very different from investing during your working years. Steve explains the importance of portfolio diversification, regular risk reviews, and understanding how taxes, Social Security, Medicare, and annuities fit into retirement planning. The conversation also highlights the role of financial literacy, managing debt, and using the right financial tools at the right time to better navigate long-term retirement decisions. Find out if you are on the right financial path to meet your retirement goals with a complimentary, quick 15-minute call with Aul Financial. Call 636-230-8824 or click here [https://calendly.com/aulfg-info/15_consult?month=2025-05]. Hear the “The Aul Financial Hour” every Saturday at 10 AM and Sunday at 6 PM on KMOX News Radio 1120. And hear episodes of the podcast here: https://aulfinancialgroup.com/aul-media/ [https://aulfinancialgroup.com/aul-media/] . Facebook [https://www.facebook.com/aulfinancialgroup] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.