Retirement Unlimited

What if one of the biggest retirement decisions isn't how much you save, but when you pay taxes? Roth IRAs offer potential tax advantages, but knowing when and how to use them is just as important as understanding how they work. From Roth IRAs and Roth 401(k)s to backdoor Roth strategies and conversions, there are several ways to approach tax planning for retirement. Jeremiah and Laura explore how...

What would you do with an extra hour in your day? For Jeremiah and Laura, the answer isn't necessarily more work. Sometimes it's playing chess with their kids, being fully present at a soccer game, or simply having enough space at the end of the day for a conversation that otherwise might not happen. From grocery delivery and oil changes to getting help with lunches and household tasks, they share...

For generations, retirement looked pretty simple: work for the same company, earn a pension, and receive a steady paycheck after you retired. Today, the responsibility looks very different. 401(k)s have created more flexibility, but they’ve also left many people wondering: Have I saved enough, and how do I turn what I’ve accumulated into income? Jeremiah and Laura look at how retirement has evolve...

Some parts of your financial plan are easy to put off because nothing seems wrong today. But just like a small leak at home, the things you ignore can become much more important when life changes. In this episode, Jeremiah and Laura walk through some of the financial maintenance that can be easy to overlook, from insurance and beneficiaries to estate planning, business succession, cybersecurity, a...

Starting a business from scratch isn't the only path to entrepreneurship. Buying an existing business can give you a head start, but it comes with its own financial considerations. In this episode, Jeremiah and Laura explore what to consider when choosing between buying a business and building one yourself, including cash flow, valuation, financing, personal risk, and the role you actually want to...

For business owners, being debt-free may sound like the ultimate goal. But as a business grows, financing can become one of many factors to evaluate when considering a new opportunity. In this episode, Jeremiah and Laura explore how business owners can think about debt within a larger financial plan. From acquisitions and commercial real estate to cash flow, liquidity, and personal guarantees, the...

Inflation and interest rates are constantly making headlines, but what do they actually mean for your financial plan? In this episode, Jeremiah and Laura put today’s economic environment into perspective and discuss how changing rates can affect decisions around retirement, borrowing, investing, and cash. More importantly, they explore why a strong financial plan should be built to adapt as condit...

Receiving an inheritance can open new possibilities, but deciding what to do with it may not be as simple as expected. In this episode, Jeremiah and Laura discuss what to consider before making major financial decisions, from understanding what you actually inherited to navigating potential tax considerations and giving yourself time to think about what comes next. They also explore how an inherit...

Financial planning should be more than an annual meeting or a conversation about investments. In this episode, Jeremiah and Laura explore what an ongoing relationship with a financial advisor can look like and why the work between major financial decisions matters. From preparing for what is ahead to having someone who already understands your bigger picture, a strong advisory relationship is buil...

Some of the most important financial conversations are also the easiest to avoid. In this episode, Jeremiah and Laura talk about the conversations around estate planning, succession, insurance, retirement, and your future that often get pushed off for “someday.” The key may be starting somewhere simpler: What do you actually want your life to look like? That vision can make the harder conversation...

Helping your adult children financially can come from a place of love, but the way that support is structured matters. A gift toward college, a first home, or another major opportunity may give them a meaningful head start. At the same time, ongoing support can unintentionally create dependency, unclear, expectations, or tension between siblings. In this episode, Jeremiah and Laura discuss how par...

Being successful in your career does not automatically make financial decisions easier. Fear, compassion, overconfidence, and FOMO can influence even the smartest investors. Advice from friends, social media, or AI can also sound compelling without accounting for your full financial picture. In this episode, Jeremiah and Laura explore the behavioral patterns behind financial decisions, how persona...

Kids are learning about money long before they earn their first paycheck. They learn from the conversations they hear, the choices they watch, and the opportunities they are given to spend, save, give, and make mistakes. In this episode, Jeremiah and Laura share what they are learning as they raise four children and work to build healthy money habits at home. The goal is not to raise children who...

Success doesn't always bring the peace of mind we expect. For many business owners and high achievers, greater financial success can also bring greater uncertainty. New opportunities, bigger decisions, and increased complexity often leave people asking, "What should I do next?" In this episode of Building Wealthy Habits, Jeremiah and Laura explore why success can feel more stressful than expected,...

Selling a business or stepping away from a career is often celebrated as the finish line. But for many business owners, that's when an entirely new journey begins. In this episode of Building Wealthy Habits, Laura sits down with Cindy Jennings, founder of Interwovenly and the LifeWise™ programs, which help business owners, executives, managers, and employees navigate life's biggest transitions wit...

A growing business can create more opportunity, more momentum, and more income. But it can also create one of the least welcome surprises for business owners: a tax bill they did not see coming. In this episode of Building Wealthy Habits, we talk about why tax planning should not wait until April and why a strong year in business can quickly become stressful when cash flow, estimates, and planning...

You've worked hard to build something real. But eventually, a new question begins to emerge: What do you want your money to do for you? Too many people spend years accumulating wealth without taking the time to define the life they actually want that wealth to support. They follow the crowd, delay their dreams, and assume there is a "right" way to retire, travel, give, or spend their time. In this...

Things are going well. Revenue is growing. Opportunities are expanding. And yet, many business owners find themselves asking a new question: Now what? Success creates a different kind of complexity. Taxes become larger. Decisions carry more weight. Relationships evolve. And the systems that helped you build the business may not be the systems that support the next season. In this episode of Buildi...

Money is one of the most important conversations in a relationship. It's also one of the most avoided. In this episode of Building Wealthy Habits, Jeremiah and Laura share a candid look at how they handle financial conversations in their own marriage. As financial planners, business owners, parents, and spouses, they've learned that money discussions are rarely just about budgets and bank accounts...

Should you buy the building your business operates in, or continue leasing? For many business owners, commercial real estate can become one of the largest investments they ever make. But owning a building is about much more than control over your space. In this episode, Jeremiah and Laura discuss the key factors business owners should consider before purchasing commercial real estate. From long-te...

What if the biggest turning point in your life starts with a difficult question? In this conversation, Jeremiah, Laura, and special guest JR Lay explore the tension many entrepreneurs and high achievers quietly carry beneath the surface. From identity and ambition to disruption, adaptability, and purpose, this discussion goes far beyond business strategy. JR shares personal stories about building...

A business sale can create uncertainty and a long list of financial and planning decisions all at once. The months before and after an exit often become an important planning window in a business owner’s life. Jeremiah and Laura walk through several planning considerations that may help business owners prepare for a high-income year, evaluate tax planning considerations, and align financial decisi...

Stock options can be a valuable part of compensation, but they also come with important tax considerations, vesting schedules, and investment decisions. In this conversation, Jeremiah and Laura break down the differences between RSUs and RSOs, explain how vesting works, and discuss why many employees feel overwhelmed when trying to make decisions around concentrated stock positions and taxes. They...

What if your finances look fine on the surface, but the real story is underneath? Many people track a single number and assume everything is okay. In this episode, Jeremiah and Randy explain why that can be misleading and what a true financial x-ray actually reveals. A financial x-ray goes beyond net worth. It looks at how your money works, how accessible it is, and where hidden risks may be quiet...

For many, selling a business or stepping into retirement is viewed as a finish line. But once you get there, a different set of questions often begins to take shape. What does your day-to-day look like? Where does your sense of direction come from? And how do you approach this next chapter with intention? In this episode, we shift the focus beyond financial outcomes and into the experience of tran...