America's Retirement Headquarters

How much time are you trading for “just one more year”? This episode unpacks the real cost of delaying retirement, where people often underestimate expenses, and why clarity, not savings, may be the missing piece. Nolan Baker explores the emotional and financial side of retirement timing, from protecting your “go-go years” to building income plans that account for healthcar...

What if your “set it and forget it” retirement plan is quietly turning into a financial ticking time bomb? This episode breaks down why taxes can remain one of your largest expenses in retirement and how deferring them may actually increase your burden. You’ll hear why autopilot investing can create hidden risks, especially as retirement approaches, and how portfolio drift can le...

The wrong Social Security decision could quietly cost more than your portfolio ever earns. This episode breaks down when to claim benefits, why timing matters, and how taxes, spousal coordination, and healthcare costs shape your retirement income. You’ll also hear a practical five-step checklist to calculate what you actually need, without relying on guesswork, and uncover the most common re...

Think a million dollars solves retirement worries? Think again. This episode breaks down the top seven concerns keeping even high net worth savers up at night, from market volatility and inflation to healthcare costs, debt, and rising housing expenses. The conversation explores how planning, not just wealth, plays a central role in navigating uncertainty, including strategies for managing risk, pr...

Do you really need a million dollars to retire, or is that number misleading you? This episode explores why focusing on income, not account balance, reshapes retirement planning. The conversation breaks down how to build reliable monthly cash flow, uncover hidden investment fees that can quietly erode savings, and recognize key red flags when choosing a financial advisor. It also looks at how inte...

What if one simple decision in your early 60s could quietly cost you tens, or even hundreds, of thousands in retirement income? This episode breaks down how Social Security timing, tax strategy, and income planning can shape your financial future more than your account balance alone. The conversation explores common claiming mistakes, why “magic numbers” can mislead retirees, and how t...

The idea that you need a million dollars to retire comfortably might be one of the most misunderstood headlines in personal finance. In this episode, the conversation shifts away from chasing a big number and toward understanding income, cash flow, and how retirement actually works day to day. The discussion breaks down why most retirees succeed with far less than they expect, how small investment...

Retirement rarely follows a straight line, and the biggest threats often arrive without warning. This episode explores common retirement disruptions, including health changes, loss of a spouse, market volatility, and rising healthcare costs. The conversation breaks down why planning for a single, best-case scenario can leave gaps and how stress testing different possibilities can reveal blind spot...

  The biggest mistake retirees make often happens after the taxes are filed, and that’s just the beginning of this conversation. In this episode, the team breaks down why filing your return isn’t the finish line, how today’s high interest, rate environment is reshaping retirement income decisions, and what it really takes to spend with confidence once the paychecks stop. You...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if the biggest risk to retirement isn’t the market, but the decisions made right before leaving work? This episode breaks down why the five years leading up to retirement can quietly shape decades of income, taxes,...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What does retirement actually cost you, and do you know the number, or just a guess? In this episode of  America’s Retirement Headquarters , the conversation starts with a simple but often overlooked step: defining...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Bond decisions made today can feel simple—until interest rates move and retirement income questions get complicated.   The rules that worked while saving for retirement don’t always apply once withdrawals begi...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Market swings don’t just impact your portfolio; they can impact your retirement timeline.  In this episode, Nolan Baker explains why understanding your personal retirement risk matters more than reacting to short-te...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if tax season is the moment you discover your retirement plan deserves a closer look? As filing deadlines approach, many people focus on paperwork while overlooking how taxes may quietly shape their retirement income year...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Bond decisions made today can feel simple—until interest rates move and retirement income questions get complicated. Many retirees and near-retirees are taking a closer look at how bonds fit into their overall strategy....

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Retirement confidence often rests on assumptions, but what if some of them don’t hold up? In this episode, Dave Ross and Scott Kerschner unpack the realities behind retirement planning, challenging common beliefs that ca...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if the biggest risk to your retirement isn’t the market, but the assumptions you’re making right now? In this episode of the  How to Retire Radio Show , American Retirement Headquarters digs into the real...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Retirement rarely unravels all at once; it’s the quiet surprises that do the most damage. In this episode, Nolan Baker of ARHQ explores the often-overlooked expenses that can strain retirement plans and why guessing at a...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Retirement isn’t just about saving, it’s about turning what you’ve built into income that lasts. In this episode, Nolan Baker, the President of America's Retirement Headquarters, unpacks the core strategies r...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Retirement rarely unravels because of one big mistake; it’s the overlooked details that do the damage. The team at America's Retirement Headquarters takes a clear-eyed look at the real-world factors that complicate retir...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if the biggest retirement challenge in 2026 isn’t the market, but how you prepare for it? In this episode, Nolan Baker breaks down key strategies for navigating the shifting retirement landscape, focusing on ways to...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if the financial landscape of 2026 looks very different from what most retirees expect? In this episode, President and retirement specialist Nolan Baker explores the shifting market environment facing retirees today. They...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Hidden Risks Could Derail Your Retirement. Are You Prepared?  In this episode, Nolan Baker uncovers the silent threats that can jeopardize financial security for retirees in 2026. We explore why relying solely on market p...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! What if your dream retirement could unravel because of hidden pitfalls? In this episode, Nolan Baker explores the realities behind retirement planning, beyond just numbers. We dive into the emotional transitions, financial cho...

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com  or call 419-794-3030 to speak with a retirement planning specialist today! Confused about Medicare? You’re not alone. In this episode of  How to Retire , hosts Nolan Baker and Scott Kirchner break down the complexities of Medicare, from enrollment challenges to pitfalls in prescription dru...