How Close Is Too Close to Retirement Planning?

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 Kelton breaks down the risks of market-heavy portfolios, questions outdated rules like the 4% guideline, and highlights how flexibility—including part-time work—can play a role in long-term strategies.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.

Panic Sells, Planning Wins

Headlines scream disaster, but your retirement plan doesn’t have to. Kelton Burgess breaks down why bold financial predictions often miss the mark and how nonstop media noise can push investors toward emotional decisions. Using real-world examples of failed forecasts, he explains the importance of tuning out daily panic and focusing on a steady, long-term strategy. The conversation highlights how a well-structured retirement plan can act as a buffer against volatility, helping individuals stay disciplined instead of reactive. It also explores the value of working with a trusted advisor and maintaining perspective when markets and news cycles feel overwhelming. 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.

Rethinking Retirement: Why Old Strategies Are Fading

Why are more financial advisors turning to a strategy they once criticized? This episode explores the growing role of annuities in today’s retirement planning landscape and why market volatility, inflation, and longevity concerns are reshaping how income strategies are built. Kelton Burgess breaks down the misconceptions surrounding annuities, explains why guaranteed income is gaining attention, and discusses how shifting economic conditions are influencing advisor recommendations. With rising fears about outliving savings, Social Security uncertainty, and portfolio instability, the conversation highlights how different financial tools including stocks, banks, and insurance products fit into a balanced retirement approach. It’s a practical look at evolving strategies in a changing financial environment. 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.

Why Passing Down a House Isn’t Always a Gift

A million-dollar home can quickly become a financial burden instead of a legacy. This episode explores the real risks of passing down real estate, from hidden costs and inheritance taxes to family conflicts and illiquidity. Kelton Burgess breaks down why gifting a home during your lifetime can create major tax consequences, and how strategies like the step-up in basis can protect your heirs. The conversation also highlights the emotional weight tied to family homes and why decisions should be guided by planning—not sentiment—within a coordinated retirement, tax, and estate strategy. 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.