24 - Not sure when to claim social security?

25 - Nearing Retirement? Here's what to prioritize during your delay period

Nearing retirement and delaying social security or your official retirement date? Your delay period is one of the most powerful planning windows you'll ever have. If you have less time then now is more important than ever to get your financial plan ready. I break down the essential steps ever near-retiree should take during the delay period, including social security optimization, tax-efficient withdrawal planning, and portfolio risk adjustment. These stratgies can help you reduce future RMDs, lower lifetime taxes, and build a more predictable retirement income stream. If you're within 5-10 years of retirement, this is your moment to get intentional. Your future self will thank you. Want a personalized retirement strategy/ Send me a message - I help near-retirees build confident, tax-smart retirement plans Schedule your free complimentary consultation with Michael: tinyurl.com/michaelplans [https://tinyurl.com/michaelplans]

24 - Not sure when to claim social security?

Deciding when to take Social Security is one of the most important retirement choices you’ll ever make — and one of the most misunderstood. In this episode, Michael, Certified Financial Planner® retirement timing expert breaks down how claiming age affects your monthly benefit, longevity planning, taxes, and long‑term financial security. You’ll learn the key factors to evaluate before choosing an age, common mistakes to avoid, and how to align your Social Security strategy with your broader retirement plan. Perfect for anyone approaching retirement and wanting to make a confident, informed decision. Schedule your free consultation with Michael here https://tinyurl.com/michaelplans [https://tinyurl.com/michaelplans]

23 - Little unkown things to do when your spouse passes

Losing your spouse is a life-changing event and during such a difficult time, it's hard to think about other things such as your finances. While filing as a married filing jointly during the 2 years after death or qualified surviving spouse, you can take advantage of the larger tax bracket to do roth conversions. You may have inheritances that you can redeploy for other uses. You should revisit your financial plan to best position yourself for the future. It can be an overwhelming time but you do not have to do it alone. If you or someone you know just lost a spouse, it's not too late. If there are any other topics you're curious about, let me know

22 - Ultimate Financial Guide for Freelancers: Taxes, Retirement, and Smart Money Systems

Unlock the financial strategies every freelancer and gig worker needs to thrive. In this episode, Certified Financial Planner Michael breaks down the essentials of managing irregular income, estimating quarterly taxes, maximizing deductions, choosing the right business structure, and building long‑term wealth without a traditional employer plan. You’ll learn how to navigate self‑employment taxes, optimize retirement accounts like Solo 401(k)s and SEP IRAs, protect yourself with the right insurance, and create a cash‑flow system that supports both your lifestyle and your goals. Whether you're a creative, consultant, or gig‑economy professional, this episode gives you the clarity and confidence to take control of your money and build lasting financial stability. Perfect for freelancers looking for expert guidance, smarter tax planning, and a long‑term financial partner. Free Consultation with Michael: https://forms.gle/9s8innFwpXtWEJW3A [https://forms.gle/9s8innFwpXtWEJW3A]

21 - When Should You Claim Social Security? Smart Timing Strategies for Maximizing Retirement Income

Unlock the best time to claim Social Security and avoid costly mistakes. In this episode, Certified Financial Planner Michael breaks down how claiming at 62, full retirement age, or 70 can dramatically impact your lifetime income. You’ll learn the key factors that determine your ideal claiming age—health, longevity, taxes, spousal benefits, and income sources—plus strategies to maximize benefits and reduce taxes. If you want clarity, confidence, and a personalized Social Security plan, this episode shows you why working with a financial planner can make all the difference. Free Consultation with Michael: https://forms.gle/9s8innFwpXtWEJW3A [https://forms.gle/9s8innFwpXtWEJW3A]