Safe Haven $olutions

A successful retirement starts with more than just saving, it starts with a plan. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and CERTIFIED FINANCIAL PLANNER® Kyle Thomas discuss how retirement timing, spending goals, life expectancy, and inflation all play a role in creating a retirement strategy built for the long term. They also share why regularly reviewing your plan an...

Retirement planning involves more than determining how much you need to save. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and insurance expert Glenn Ramey discuss the important role insurance can play in a retirement strategy, including health care, Medicare, long-term care, life insurance, and annuities. They explore the rising cost of health care in retirement, key...

Retirement is full of assumptions, but not all of them are true. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Certified Financial Planner Kyle Thomas separate fact from fiction by addressing some of the most common retirement myths. From retirement spending and healthcare costs to taxes, required minimum distributions, and working longer than planned, they explain why ev...

A steady paycheck may end when you retire, but your income doesn't have to. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Certified Financial Planner Kyle Thomas discuss the importance of building reliable income streams throughout retirement. From Social Security and pensions to IRAs, 401(k)s, and income annuities, they explain how the right strategy can provide financia...

A successful retirement starts with more than just saving, it starts with a plan. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Certified Financial Planner Kyle Thomas discuss how retirement timing, spending goals, life expectancy, and inflation all play a role in creating a retirement strategy built for the long term. They also share why regularly reviewing your plan and...

Inflation may not be making headlines every day, but it's still affecting retirees in meaningful ways. In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Certified Financial Planner Kyle Thomas discuss how persistent inflation can impact your retirement income, savings, travel plans, housing costs, and overall financial security. Tune in to learn why planning ahead is one of t...

A successful retirement starts with a dependable income strategy, not just a target savings balance. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss how guaranteed income sources, Social Security timing, pensions, and retirement savings all work together to create financial confidence. They also explain why personalized retirement plannin...

Retirement is about more than reaching your financial goals, it's about creating a fulfilling next chapter. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss the importance of building a healthy retirement through purposeful routines, meaningful hobbies, social connections, and financial confidence. They also share why thoughtful retirement...

Planning for retirement means preparing for more than your investments. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, insurance specialist Glenn Ramey, and co-host Kim discuss how Health Savings Accounts (HSAs) can provide valuable tax advantages and help cover future healthcare costs in retirement. They also break down why long-term care planning is essentia...

Preparing for retirement means planning for more than just your income—it also means planning for your healthcare. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, insurance specialist Glenn Ramey, and co-host Kim discuss why healthcare is one of the most overlooked retirement expenses. They explain how Medicare works, the differences between Medicare Advantage...

Tax planning in retirement isn't just about filing on time; it's about understanding how every move impacts your bottom line. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, CPA Lance Larsen, and co-host Kim explore the trade-offs of major financial choices. From the hidden tax costs of relocating to tax-free states to optimizing asset location across taxable,...

Clip 3 Title: Taxes & Home Sales in Retirement - schedule for 7/29 (W) Selling a house or investment property in retirement involves more than just finding a buyer—it requires a smart tax strategy. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, CPA Lance Larsen, and co-host Kim discuss the tax implications of selling primary residences and real estate inve...

Not all retirement accounts are created equal when it comes to taxes. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, CPA Lance Larsen, and co-host Kim explore how to strategically draw from traditional and Roth accounts to minimize your tax bill. From utilizing the standard deduction and balancing traditional vs. Roth 401(k)s to avoiding common tax pitfalls an...

Taxes in retirement shouldn't be a surprise. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, CPA Lance Larsen, and co-host Kim dive deep into proactive tax preparation and strategic retirement planning. From navigating the complexities of Social Security taxation and avoiding the "tax torpedo" to evaluating Roth conversions and preserving survivor benefits, the...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, co-host Kim, and insurance specialist Glenn Ramey discuss how healthcare expenses can impact your retirement plan. They cover Medicare enrollment, long-term care planning, and strategies for managing future medical costs while avoiding common mistakes. The episode also explains why having a proactive healthcare st...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig, co-host Kim, and in-house CPA Lance Larsen discuss the importance of building a tax-efficient retirement plan. They cover strategies for managing retirement account withdrawals, reducing future tax burdens through Roth conversions, and understanding how Social Security and required minimum distributions can impact...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss the key elements of a personalized retirement strategy. They cover how to create dependable retirement income, maximize tax efficiency, maintain the right balance of savings and investments, and prepare for life's unexpected expenses. The episode also explains why an ongoing financial plan c...

Retirement isn't one-size-fits-all. In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim share why a personalized retirement plan is the key to long-term confidence. From creating a pre-retirement checklist to maximizing retirement savings, planning for healthcare costs, and building a reliable income, they cover the essential steps to help you prepar...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss common mistakes people make in the years leading up to retirement. They cover why it's important to prepare for unexpected life changes, evaluate your investment risk, plan for long-term care, and develop a tax-efficient withdrawal strategy. The conversation highlights how reviewing your pla...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss why claiming Social Security is one of the most important retirement decisions you'll make. They explain how factors like your age, marital status, work plans, and long-term goals can all impact the best time to begin benefits. The conversation also explores why Social Security was designed...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss why Social Security should be just one part of your retirement income plan. They explore the importance of creating multiple income streams, understanding how pensions and retirement savings fit into the bigger picture, and building a strategy that supports both your lifestyle and long-term...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss why consistency is one of the most important factors in building a successful retirement. They explain the value of starting to save early, taking advantage of employer retirement plans, and gradually increasing contributions over time. The conversation also explores how retirement planning...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss the importance of protecting your legacy through thoughtful estate planning. They cover how trusts, beneficiary designations, and proactive planning can help preserve your wealth, simplify the transfer of assets, and ensure your wishes are carried out. Whether your legacy includes a family h...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss how Roth IRAs can play a powerful role in both retirement and estate planning. They explain the benefits of tax-free growth, why Roth conversions may help reduce future tax burdens, and how careful beneficiary planning can make it easier to pass wealth to the next generation. The conversatio...

In this episode of the Safe Haven Solutions Podcast, founder and CEO Larry Kallevig and co-host Kim discuss the role real estate can play in a successful retirement plan. They explore considerations such as downsizing, purchasing a second home, investing in rental properties, and how real estate fits into an overall estate plan. The conversation also covers the importance of understanding tax impl...