Advised | with Rick Luchini

Build wealth without hating your life. In this guest appearance, Rick explains why the fastest path to real wealth for Gen Z and Millennials is starting something—a side business from 5 to 9—and using money to buy time and options, not just toys. We cover living within your means without living miserably, beating lifestyle creep, investing in human capital, and using a simple cash-flow system to e...

THIS ONE IS A MUST LISTEN FOR ALL AGES!! Healthy retirement is not just money and calendars. It is connection. In this conversation, Rick talks with Dr. Tina Schermer Sellers about sex, marriage, and why emotional and physical intimacy deserve attention long before you retire. They cover how couples lose connection over the years, practical ways to rebuild it, the health benefits of safe and lovin...

What happens when you finally sell the business you’ve built your whole life around? In this episode, Rick sits down with Kyle Gabhart, author of Legends Don’t Retire and Neither Should You, to talk about life after the business,  identity, purpose, succession planning, and how to build a company that thrives without you. Whether you’re a small-business owner, entrepreneur, or advisor, this episod...

What if retirement isn’t the goal, but the beginning? In this episode of The Advised Podcast, Rick sits down with Scott Jagodzinski, author of Harder to Kill and founder of Argent Alpha, to talk about why traditional retirement is broken and how men over 50 can design a more meaningful second act. Scott explains why the old model ofwork hard, save money, then stop working, leads to decline and dis...

What does it really mean to be Harder to Kill? In this episode, Rick sits down with Scott Jagodzinski,  author of Harder to Kill and founder of Argent Alpha , to talk about why men over 50 can’t afford to coast on autopilot when it comes to their health. Scott led companies through nine-figure exits and corporate turnarounds before redirecting that same intensity toward optimizing life after 50. T...

Retirement isn’t just about leaving your job behind,  it’s about discovering what you’re retiring to. Too many people treat retirement like a permanent vacation, but without purpose, structure, and identity, those years can quickly turn into burnout, anxiety, or boredom. In this episode, we dive into how to prepare for life after the paycheck, why finding meaning matters more than money, and pract...

Discover how your home environment influences your health, mindset, and even your retirement transition. Download the Free Guide to Your Personal Energy: https://courses.elementalclarity.com/feng-shui In this episode of The Advised Podcast, I step outside the financial world to talk with Jeannette Ciezykowski, a personal life specialist and feng shui expert. We explore how your surroundings influe...

Are you afraid to spend money in retirement — even though you’ve saved diligently for decades? You’re not alone. Many retirees face a surprising challenge: shifting from saver to spender. In this episode of The Advised Podcast, Rick Luchini unpacks the psychology behind why it feels so hard to enjoy your money after years of disciplined saving. We talk about: Why the “middle-class millionaire” oft...

When it comes to saving for your kids’ future, the options can feel overwhelming—529 plans, UTMA accounts, taxable brokerage accounts, or just keeping the money in your own name. Which is best? And how do new tax law changes (like the SECURE Act 2.0 and the “Big Beautiful Bill”) change the conversation? In this episode, we break down: The pros and cons of 529 college savings plans (and how new rul...

When it comes to taxes in retirement, most people only think about last year’s return. But focusing only on history can cost you tens of thousands of dollars over your lifetime. In this episode, we break down the critical difference between a tax accountant (historian) and a tax planner, and why you may need both. You’ll learn why accountants often focus on minimizing taxes this year, while planne...

I sat down with somatic health coach Mitch Webb to unpack one of the most overlooked pillars of retirement: your health. We often spend decades building careers, growing wealth, and planning tax strategies — but if our bodies break down, what’s the point? Mitch explains how a dysregulated nervous system, poor nutrition, and chronic stress can quietly rob us of the very freedom we’re working toward...

Are your taxes really going to be lower in retirement? Many financial advisors and rules of thumb assume so, but for high-earning savers and retirees with large IRAs or 401(k)s, the reality is often very different. In this episode, Rick Luchini breaks down the myth of lower retirement taxes and explores why many retirees actually face similar or even higher tax bills in retirement. We’ll cover the...

Are you approaching retirement and worried about taxes? In this episode of Advised, we dive into the reality of Roth conversions, IRAs, RMDs, and retirement tax planning—and why so many people experience sticker shock when they first see the tax bill. Too often, retirees hesitate on powerful strategies like Roth IRA conversions because they’re focused only on the short-term cost instead of the lon...

In this episode, we break down the “Big Beautiful Bill” — a major piece of tax legislation that could significantly impact your retirement planning, paycheck, and overall financial strategy. Whether you're retired, working overtime, collecting Social Security, or just trying to make smart tax moves, this bill matters.  No change to tax brackets? That’s actually a win.  New senior deduction? More w...

In this episode, we dive deep into Roth IRAs, Roth conversions, and the most common mistakes people make when trying to take advantage of these powerful retirement planning tools. Whether you're thinking about a backdoor Roth IRA, navigating the pro-rata rule, or wondering when it’s smart to convert your traditional IRA to a Roth, this episode is packed with practical, strategic advice. We break d...

Most retirees never plan for the financial impact of losing a spouse — here's what you need to know before it happens. In this episode, we discuss a crucial but often overlooked part of retirement planning: preparing for the loss of a spouse. If you're planning for retirement, understanding what happens financially when a spouse passes away is essential. We cover the impact on Social Security bene...

In this eye-opening episode, we dive into one of the biggest misconceptions in personal finance and retirement planning: retirement spending isn't flat. Learn how the "Retirement Smile"—also known as the Go-Go, Slow-Go, and No-Go Years—affects how much you should spend and when. Discover how dynamic retirement income planning helps you avoid underspending during your healthiest years, and why maxi...

Retirement isn’t just about your savings and investments—it’s about designing a fulfilling lifestyle! In this episode, we’re diving into five crucial non-financial things you need to plan for before you retire. If you're in your 50s or 60s and thinking about retirement, this is a must-Listen. 🔹 What You’ll Learn in This Episode: ✅ The importance of finding purpose beyond your career ✅ Why havin...

Are you panicking over recent market downturns?  In this episode, I dive into a critical client meeting that revealed two major lessons: perspective and empathy. Whether you're navigating personal finance, investing for retirement, or simply trying to understand the market's ups and downs, this episode will provide actionable insights to help you stay calm, focused, and financially secure. 🔹 Topi...

In this episode, we uncover one of the best-kept secrets in retirement planning—the taxable brokerage account. While many focus on 401(k)s, Roth IRAs, and traditional IRAs, a taxable brokerage account provides unmatched flexibility, no contribution limits, and unique tax advantages. 💰 Key Topics Covered: ✔️ What is a taxable brokerage account and who can open one? ✔️ Why high earners & busine...

In this episode, we welcome legendary retirement researcher Bill Bengen, the creator of the original 4% rule, to discuss his latest findings and how retirement withdrawal strategies have evolved. If you’re planning for financial independence, early retirement, or traditional retirement, this episode is essential! 🔹 What is the new 4% rule, and how has it changed? 🔹 How to determine a safe withdr...

Are you unknowingly setting yourself up for massive tax bills in retirement? In this episode of #advisedpodcast, we break down essential retirement tax planning strategies to help you minimize taxes, maximize savings, and protect your wealth. ✅ When should you start planning for retirement taxes? ✅ How much tax do you really want to defer? ✅ Are you prepared for multi-generational tax exposure?...

In this episode, we dive deep into everything you need to know about RMDs, tax planning, and strategies to protect your retirement savings. Discover how RMDs are calculated, why they can lead to a “tax bomb,” and how they affect Social Security, Medicare premiums, and overall retirement income. We cover actionable strategies like Roth IRA conversions, proactive tax planning, and Qualified Charitab...

Thinking about investing in real estate but unsure how to determine if a property is a good deal? In this episode, we break down how to evaluate rental properties, calculate cash flow and ROI, and compare real estate to other investments like stocks and bonds. Whether you're a new investor or a seasoned landlord, understanding real estate valuation is crucial for maximizing profits and building lo...

Thinking about investing in real estate for retirement but unsure if it’s the right move? In this episode, we dive into the pros and cons of real estate investing, how it compares to stocks, and how your investment strategy should change before and after retirement. Join Rick Luciani and Austin Preece, a financial planner specializing in real estate investors and business owners, as they break dow...