C.L.I.M.B. Through Retirement

What if the greatest threat to your retirement isn’t a stock market crash, but slow, relentless health care costs that quietly chip away at your savings? On this episode, Ben Heisler and Brad Jones shine a spotlight on the silent expenses that often go unnoticed—revealing why lifetime medical bills can freeze even the most prepared retirees and how paralysis by analysis can stand in the way of pro...

What if the Social Security headlines aren’t just noise—but a wake-up call? On this episode of C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones take on one of the hottest topics for today’s (and tomorrow’s) retirees: the looming Social Security trust fund shortfall. Brad shares his candid, reassuring take on what those “2032” predictions really mean, who’s likely to feel the squeeze, and...

Retirement is often pictured as a finish line—a final destination after years of hard work. But what if it’s actually the start of a marathon, especially for women? In this episode, Ben Heisler and Brad Jones dive into the surprising realities that make a woman’s retirement journey fundamentally different. From the longevity gap to navigating savings shortfalls, you’ll hear why an average plan sim...

“Think your tax burdens ease when you retire?” For many, exchanging paychecks for pensions brings a complex new tax reality—one that can drain your hard-earned savings if you’re not careful. Join Ben Heisler and Brad Jones as they spotlight the unexpected pitfalls and invisible traps lurking in the tax side of retirement. Discover why proactive planning and a sharper understanding of your IRA and...

“How do you know when you’re truly ready to retire?” In this episode, Brad Jones breaks down one of retirement’s biggest challenges: turning a lifetime of savings into reliable income without letting fear dictate your decisions. From uncovering hidden income gaps to exploring strategies that can create greater confidence through market uncertainty, the conversation reveals why reaching retirement...

Can your retirement survive global shocks and economic unpredictability? As markets shift and headlines grow more alarming, Brad Jones and Ben Heisler explore the challenges retirees face—from rising energy costs to the Federal Reserve’s warnings. Discover how proactive planning, patience, and personal strategies can make all the difference. This episode sets the mood for candid conversations abou...

Is the "Magnificent Seven" unraveling your retirement nest egg? Dive into the shifting tech landscape as Ben Heisler and Brad Jones unravel how AI, market volatility, and hidden risks could impact the life you’ve worked so hard to build. From the illusion of diversification to the overlooked dangers lurking in traditional portfolios, discover why relying on old strategies might leave you exposed....

Join Brad Jones for another insightful episode of C.L.I.M.B. Through Retirement, where he dives into practical strategies for tackling the challenges and opportunities of retirement. Today’s show covers important subjects like taxes, Social Security, long-term care, and navigating unpredictable markets—giving you the expert knowledge you need to make confident decisions for your future. Tune in an...

Can the AI boom really secure your retirement—or is it quietly threatening your nest egg? The tech sector’s recent turbulence is shaking up 401k and IRA portfolios, and many retirees may be holding more risk than they realize. This episode dives into why diversification alone isn’t always enough, what a tech slump could mean for your income in retirement, and how the rules of thumb you’ve relied o...

"When was the last time you felt confident about your retirement plan?" Headlines about global conflict and rising costs are rattling the financial terrain for retirees and savers alike. Brad Jones and Ben Heisler dive into the real impact of economic uncertainty, exploring how inflation, energy prices, and market volatility challenge long-held strategies. Discover why patience alone may not prote...

"Who inherits your wealth—and at what cost?" Families are losing millions to legal fees and painful disputes, all because of overlooked legacy plans. This episode dives into the untold complexities of wills, trusts, and blended families, exploring the pitfalls and emotional tensions that lurk beneath the surface. Discover why clear communication, properly updated documents, and regular reviews mak...

What happens when the tech giants that once powered the market suddenly threaten your retirement savings? As AI spending accelerates and volatility shakes the sector, Ben Heisler and Brad Jones plunge into the unseen dangers lurking inside many portfolios. From sequence of return risk to emotional pitfalls, the conversation exposes fresh realities facing retirees—all in the midst of a rapidly evol...

"Are you responding to economic chaos with calm logic—or letting fear drive your financial moves?" This episode tackles how unpredictable markets, rising costs, and unsettling headlines can shake retirees’ confidence and tempt costly mistakes. Brad Jones and Ben Heisler dig into practical strategies for stress-testing your nest egg, fortifying your plan against inflation, and resisting emotional d...

What happens to your retirement dreams when the headlines scream about soaring inflation and market uncertainty? On this episode, Ben Heisler and Brad Jones unravel the real impact of emotion-driven decisions, sudden early retirement offers, and economic turbulence—while sharing strategies to maintain clarity and confidence in your golden years. Discover insights Livingston County retirees are ask...

As more Americans prepare to pass significant wealth to the next generation, Brad Jones and Ben Heisler reveal why legacy planning is more important—and complex—than ever. From family feuds to costly legal battles, faulty documents to blended family headaches, small missteps can unravel everything you’ve worked for. This episode explores how regular reviews, clear communication, and the right lega...

What does true financial literacy mean once you reach retirement—and how can small habits, careful planning, and honest conversations protect your wealth (and your peace of mind) for decades to come? Brad Jones explains why tracking spending and understanding withdrawal order matter just as much as investment returns, and how working with a professional can help you navigate taxes, legacy, and tho...

How prepared are Americans for retirement—and what hidden forces are holding so many back? Alarming new research reveals just how far behind most are, and the conversation uncovers overlooked reasons, from cultural habits to shifting financial realities. Join Ben Heisler and Brad Jones as they dig into the hurdles, surprises, and necessary mindset shifts for building a lasting, confident retiremen...

Ready to unlock the secrets of retiring as a small business owner? Join Ben Heisler and Brad Jones, founder of Jones Retirement Advisors, as they dig into the unique twists and turns facing entrepreneurs on their journey to retirement. This episode of C.L.I.M.B. Through Retirement isn’t just about numbers—it's about real challenges and practical strategies that might surprise you. From creative wa...

Wondering how inflation really affects your retirement lifestyle—even when the headlines claim it’s cooling off? Ben Heisler and Brad Jones are back with practical wisdom and plenty of laughs, unraveling the nitty-gritty of cost-of-living adjustments and the real impact on your Social Security check. From wrinkly shirts masked by vests to trivia about bygone gas prices, this episode is equal parts...

Are you secretly a millionaire without even realizing it? Join Ben Heisler and Brad Jones in this episode of “C.L.I.M.B. Through Retirement” as they uncover the fascinating phenomenon of “hidden millionaires”—everyday folks who’ve built serious wealth without ever feeling rich. Brad shares relatable stories and tips to help you determine whether you’re sitting on a retirement fortune, while Ben ke...

What’s the real impact of the Fed pausing interest rates—and what does it mean for your hard-earned nest egg? This week on C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones dive into the latest moves shaking up the financial world and what those headlines could mean for your future. Should you rethink your investments, or is it better to stay the course? Brad shares surprising stories (inc...

Are you dodging “the inheritance talk” with your family? You’re not alone—most families do, even though everyone knows it’s important. On this episode of C.L.I.M.B. Through Retirement, Ben Heisler and financial advisor Brad Jones pull back the curtain on one of the most avoided topics in retirement planning. What happens if something goes unsaid, or if your loved ones are left with confusion inste...

Ready to swap the morning commute for coffee on the porch, grandkid giggles, and endless vacations? Not so fast—Brad Jones and Ben Heisler dive deep into the real signs you’re truly ready to retire, and spoiler alert: It’s about much more than just your numbers. This episode of “C.L.I.M.B. Through Retirement” uncovers the surprising mix of financial planning, emotional readiness, and even hidden c...

A new year means new opportunities, fresh challenges, and—let’s face it—a few surprises. In this episode of "C.L.I.M.B. Through Retirement," Ben Heisler and Brad Jones dig into the changes that 2026 brings for retirees and those gearing up for their golden years. From bigger savings limits to Social Security tweaks and that mysterious new tax deduction for seniors, the landscape is shifting. Wonde...

Ever feel like your retirement plan is a moving target? You’re not alone! This week on C.L.I.M.B. Through Retirement, Ben Heisler and Brad Jones dig into one of the most misunderstood—but crucial—parts of smart investing: rebalancing your retirement portfolio. Find out why your 60/40 mix might not be what you think it is, why leaving things on autopilot could invite a world of risk, and how a simp...