Your Safe Money Show

This episode explores the essential legal documents every adult should have, including powers of attorney, healthcare directives, and wills, and explains how each one protects you and your loved ones. An experienced estate planning attorney shares practical guidance on avoiding common mistakes, minimizing legal complications, and making important decisions before a crisis occurs. You'll also...

With inflation, Social Security changes, and rising healthcare costs on retirees’ minds, this episode tackles the most common retirement questions people are searching online right now. Todd breaks down strategies for managing retirement withdrawals, understanding Social Security and Medicare updates, finding flexible post-retirement work, and protecting financial accounts from scams and hackers....

A truly fulfilling retirement requires a lot more than just a healthy bank account—it takes a deliberate mix of financial security and purposeful lifestyle design. This episode dives into actionable strategies to boost your post-career happiness, from creating reliable income streams to discovering your next passion. Tune in to learn how to align your wealth with your personal goals so your golden...

During this episode, we’ll explore what research consistently shows makes retirement genuinely fulfilling.

Deciding which financial documents to shred and which to save can feel like a guessing game. This episode breaks down exactly how long you need to hang onto tax returns, bank statements, and receipts before they can safely hit the recycle bin. Tune in to declutter your filing cabinet with total confidence and zero legal stress.

Leaving your children a financial mess is one of the fastest ways to strain your legacy and their future. This episode breaks down the critical estate, tax, and communication blunders parents make that inadvertently leave behind a mountain of paperwork, hidden debt, and family conflict. Tune in to learn how to protect your assets—and your relationships—with proactive, transparent planning.

Uncover the reality behind common myths as we break down the complex world of premiums, policies, and payouts. This episode explores whether whole life or term coverage truly serves your long-term goals and helps you identify the "fine print" most agents skip. Tune in to learn how to strategically integrate life insurance into your financial plan without overpaying for protection you don...

This essential checklist covers everything from the optimal time to claim Social Security to the often-overlooked tax implications of RMDs and Roth conversions. Learn how to strategically coordinate your portfolio, healthcare, and legacy plan to ensure a secure and confident transition into retirement.

In this episode of Your Safe Money Show, we break down the most common scams and fraud tactics targeting everyday investors—and why so many people think “it won’t happen to me” until it does. You’ll learn how these schemes actually work, the red flags to watch for, and the psychological tricks scammers use to create urgency and trust. Walk away with practical steps you can take right now to protec...

Many retirees struggle with the "spending gap," fearing that enjoying their hard-earned savings today will lead to a shortfall tomorrow. This episode breaks down the psychological and mathematical strategies needed to transition from a lifelong saving mindset to a confident spending phase. Learn how to create a structured withdrawal plan that protects your future while finally allowing y...

Navigating retirement as a couple requires more than just doubling your savings; it demands a coordinated strategy to maximize your shared lifetime income. This episode explores the critical "Spousal Safety Net" and how timing your Social Security claims can protect the long-term financial health of both partners. We also dive into the nuances of survivor benefits and shared investment s...

In this episode Todd goes over the pros and cons of Roth IRA's.

In this episode, we explore the profound peace of mind that comes from organizing your estate and final wishes long before they are needed. We break down the essential documents every adult should have, shifting the conversation from a source of dread to a meaningful act of love for your survivors. Join us as we discuss how proactive planning serves as a final gift that protects your legacy and sp...

In this episode, we break down the "Sequence of Returns" risk and explain why the timing of your retirement can be just as important as the size of your nest egg. We share practical strategies for building a cash buffer to protect your portfolio from sudden market downturns during your first few years of freedom. Tune in to learn how to insulate your lifestyle against volatility so you c...

In this follow-up episode, we dive deeper into the shifting global markets to identify which emerging sectors are truly poised to lead the next economic era. We break down actionable strategies for diversifying your portfolio against inflation while embracing the technological disruptions that many traditional investors are still overlooking. Join us as we explore how to turn today’s rapid financi...

As the global economy shifts toward a decentralized future, we explore how traditional wealth strategies are being rewritten for a digital-first world. This episode breaks down the core pillars of "The New Golden Age," offering actionable advice on how to pivot your portfolio to benefit from emerging market trends. Join us as we embrace the inevitable transition from old-school finance t...

In this episode, we tackle the "mid-career crisis" by transforming the overwhelming fear of being behind into a tactical, ten-year roadmap. We break down how to optimize your peak earning years through aggressive catch-up contributions and strategic lifestyle adjustments without sacrificing your current quality of life. Tune in to learn why it is never too late to pivot from panic to a p...

We sit down to break down which states are the most aggressive in claiming your income, even if you never set foot in their jurisdiction. We provide a practical checklist for digital nomads to document their physical presence and shield their hard-earned money from multi-state audits.

This week, we explore the chaotic world of "creative" inheritance by sharing cautionary tales of beneficiaries who had to complete bizarre tasks to claim their keep. We break down the fine line between establishing a meaningful legacy and inadvertently reaching out from the grave to micromanage your family's every move. Tune in to learn how to structure your estate so your loved one...

In this episode, we dive into the "longevity risk" and why women must approach retirement planning differently than men to account for a longer life expectancy. We explore practical strategies for bridging the wealth gap, ensuring your portfolio remains resilient against inflation over several decades. Join us as we discuss how to transform the challenge of living longer into an empowere...

In this episode, we tackle the critical transition from saving to spending to ensure your 2026 retirement starts on solid ground. We break down our signature Five Pillars framework, offering a clear strategy to optimize your taxes, secure your healthcare, and shield your lifestyle from market volatility. Join us to turn those lingering financial "what-ifs" into a concrete blueprint that...

While the rest of the country fixates on "frozen tundra" stereotypes and high tax brackets, we’re crunching the numbers to show why the Bold North is actually a hidden powerhouse for building long-term wealth. In this episode, we break down how Minnesota’s high density of Fortune 500 companies and relatively stable housing market offer a "middle-class luxury" that coastal hubs...

This episode kicks off the new year by outlining the essential milestones and regulatory updates for your 2026 retirement strategy. We dive into the latest IRS contribution limits and tax law adjustments that could significantly impact your savings potential over the next twelve months. Whether you are decades away from the finish line or just months from retiring, this roadmap provides the action...

As we step into 2026, this episode provides a necessary reality check on how the current economic landscape has shifted the goalposts for a secure retirement. We break down the latest tax law updates and the lingering effects of 2025's market volatility to help you determine if your "retirement number" is still truly on track. Join us as we provide actionable steps to shore up your...

In this episode, we walk through the essential financial moves you should consider before the calendar turns. We cover a comprehensive range of year-end tasks designed to optimize your tax situation, review your investment allocations, and maximize your retirement contributions. Join us as we provide a clear roadmap to help you tie up loose ends and start the new year on the strongest possible fin...