Retire Well

090: What a Theme Park Dinner Teaches Us About Retirement Planning

Welcome to Retire Well with Josh Bretl and Mark Elliott. This week, Josh shares a story from a recent family trip to Universal Studios, illustrating how exceptional personal care changes your perspective. That same level of dedication is exactly what you should expect from your retirement team. Josh and Mark break down the critical shift from saving a pile of money to generating a reliable monthly income stream. They discuss the major risks facing retirees today, including inflation, market volatility, and tax traps like required distributions. Josh outlines the fiscal house strategy, a practical framework that uses distinct buckets to balance growth and protection. Finally, the team answers listener questions on unexpected job loss at 61, choosing Medicare policies, planning for cognitive decline, and handling a spouse who loves chasing investment trends. Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.

089: Why Your Retirement Magic Number Might Be a Total Myth

What is your retirement magic number? In this episode of Retire Well, Josh Bretl and Mark Elliott break down why relying on a single savings target might be a myth. True financial security is not just about the size of your nest egg, it's about how much you spend in relation to what you have. Josh shares insights on navigating major life transitions and explains the core pillars of the Wellment Way. You'll learn the mechanics of strategic Roth conversions, including a unique tax advantage specifically for Illinois residents. We also dive into how to protect your Social Security from tax traps and manage Medicare premium surcharges. Finally, we discuss the habits of the quietly wealthy and how to align your retirement spending with what brings you true peace of mind. Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.

088: The Two Lane Highway Strategy for a Confident Retirement

A recent report shows that most Americans fear outliving their savings more than death itself. It makes sense. For decades, you knew exactly how much money was coming in from your paycheck. In retirement, that predictable income disappears, and the responsibility shifts entirely to you. This week, Josh Bretl breaks down how to transition from a saving mindset to an income mindset. He shares a simple two lane highway strategy designed to protect your short term needs while keeping your long term wealth growing. Plus, Josh answers listener questions about evaluating early retirement packages, managing taxes after selling a family business, deciding whether to file taxes jointly or separately, and protecting an inheritance for a child who struggles with money. Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.

087: Sweating the Small Stuff: Lessons from an 85 Degree Seminar

Josh Bretl begins this episode with a story from a recent Social Security workshop in Wheaton where the room hit 85 degrees, the fans sounded like a hurricane, and his laptop died mid-presentation. While it felt like a disaster, sitting down with the audience led to a profound connection with a recent widow who felt lost in the complexity of retirement. We explore why confidence in retirement is plummeting for 39% of American workers. Josh breaks down the truth about Social Security cuts and Medicare surcharges, explaining why your tax strategy is just as important as your investment strategy. We also dive into the Wellment Way, a holistic approach that covers income, assets, taxes, healthcare, and legacy planning. Learn how to separate your must haves from your nice to haves to ensure you never outlive your money. 📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15 minute call with a Wellment advisor.

086: Beyond the Pension: Building Your Own Retirement Paycheck

In this episode of Retire Well, Josh Bretl and Mark Elliott discuss the fundamental shift in retirement planning over the last few decades. With traditional pensions largely a thing of the past, today’s retirees must act as their own pension managers. Josh breaks down the recent Federal Reserve Beige Report and explains why emotional reactions to global uncertainty often lead to costly mistakes. We dive deep into the Wellment Way, specifically the strategy of income blending across different tax buckets to minimize your lifetime tax liability. You will learn about the three tax buckets (Tax Me Now, Tax Me Later, and Tax Free) and how a written strategy can provide the clarity you deserve. Whether you are ten years out or already retired, this conversation offers a clear path toward financial freedom. 📞 Ready to talk? Call (630) 478-9599 to schedule your complimentary 15-minute call with a Wellment advisor.