The Hidden Risks That Can Derail Your Retirement

From Physical Challenge to Financial Confidence

What happens when you push yourself to the edge—physically and mentally—and what does that reveal about your life and finances? Heidi Ricken Provost shares her journey preparing for an intense Everesting challenge while reflecting on personal growth, resilience, and empowering others—especially women—to take control of their financial futures. The conversation connects mindset, confidence, and education, highlighting how overcoming challenges can reshape both personal identity and financial decision-making. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com [https://rickenfinancial.com/]. Click here [https://rickenfinancial.com/events/] to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook [https://www.facebook.com/RickenFinancial]  |  Instagram [https://www.instagram.com/rickenfinancial/]  |  YouTube [https://www.youtube.com/@rickenfinancial] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Missing Pieces in Your Retirement Strategy

Think your 401(k) means you’re ready for retirement? Think again. This episode breaks down the difference between simply saving and having a true retirement plan. From defining your purpose to building income, managing risk, planning for healthcare, and understanding taxes, Gerry Ricken and Heidi Ricken Provost walk through the many moving parts that shape retirement. They also explore common misconceptions and why missing one piece can impact the entire plan, offering a clearer picture of what it means to retire with intention. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com [https://rickenfinancial.com/]. Click here [https://rickenfinancial.com/events/] to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook [https://www.facebook.com/RickenFinancial]  |  Instagram [https://www.instagram.com/rickenfinancial/]  |  YouTube [https://www.youtube.com/@rickenfinancial] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

The Truth About “Tax-Free” Retirement Advice

Taxes might be the biggest bill you never fully see coming. This episode with Gerry Ricken explores why taxes can outpace even your mortgage over a lifetime and why planning shouldn’t stop after April 15th. The conversation covers tax diversification, the role of Roth accounts, and why one-size-fits-all advice often misses the mark. You’ll also hear how personal experiences—from faith-filled community involvement to financial decision-making—intersect with long-term planning and purpose. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com [https://rickenfinancial.com/]. Click here [https://rickenfinancial.com/events/] to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook [https://www.facebook.com/RickenFinancial]  |  Instagram [https://www.instagram.com/rickenfinancial/]  |  YouTube [https://www.youtube.com/@rickenfinancial] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Why Purpose Matters as Much as Your Portfolio

What if the biggest threat to your retirement isn’t the market—but taxes quietly building over time? This episode with Gerry Ricken looks at how tax planning shapes retirement outcomes, from required minimum distributions to changing tax laws. The discussion breaks down real-world strategies, the impact of long-term compounding, and why timing matters just as much as strategy. It also dives into the “purpose approach,” connecting financial clarity with lifestyle priorities and what comes next after your working years. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com [https://rickenfinancial.com/]. Click here [https://rickenfinancial.com/events/] to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook [https://www.facebook.com/RickenFinancial]  |  Instagram [https://www.instagram.com/rickenfinancial/]  |  YouTube [https://www.youtube.com/@rickenfinancial] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.

Inside Mar-a-Lago: Lessons Beyond the Headlines

A visit to one of the most exclusive homes in the country turns into a conversation about work ethic, opportunity, and purpose. This episode with Gerry Ricken & Heidi Ricken Provost shares behind-the-scenes moments from Mar-a-Lago alongside reflections on business lessons, personal drive, and what it means to find fulfillment in your work and retirement years. The discussion connects real-world experiences to the broader idea of planning with intention. Get your complimentary meeting with Heidi and Gerry to make a comprehensive plan for your retirement – call 314-442-6476 or go to RickenFinancial.com [https://rickenfinancial.com/]. Click here [https://rickenfinancial.com/events/] to learn more about Ricken Financial's upcoming events or call 314-442-6476. Find the Rickens on social media: Facebook [https://www.facebook.com/RickenFinancial]  |  Instagram [https://www.instagram.com/rickenfinancial/]  |  YouTube [https://www.youtube.com/@rickenfinancial] See omnystudio.com/listener [https://omnystudio.com/listener] for privacy information.