Guard Your Savings Podcast

Dolph Janis of Clear Income Strategies Group gets all over fees and how costly they can be. He compares ordering Doordash and the baked in fees to the extra fees some credit cards or asset accounts have. Dolph explains how important people knowing what they get for the fees is and how one of the first things he does with clients is stress test their accounts for the extra fees. Dolph also discusse...

Dolph Janis of Clear Income Strategies Group discusses the retirement income gap. Dolph talks about Tom Cruise’s comments on acting into his 100s if he could – because Cruise wants to - and how people should not have a retirement plan based on working past then they want to. So Dolph talks about calculating the income gap, what it means, how to prevent that gap, and three sources of gu...

Dolph Janis of Clear Income Strategies Group digs into savings and uses a vacation discussion to get there. Dolph discusses three savings buckets – today, tomorrow, and never – and the importance of giving that saved money its jobs. Dolph then describes how this all fits into legacy planning and emergency funding. And Dolph shares how he can help people with this budget, by closely exa...

Dolph Janis of Clear Income Strategies Group gives the low-down on Social Security and explains how the system can be very complicated and also is not intended to fully replace someone’s income. Dolph also explains the two biggest mistakes or assumptions people make about Social Security and how helps people calculate the best strategy. Dolph also talks about winning a golf tournament and ho...

Dolph Janis discusses a survey that reveals that two-thirds of Americans fear going broke over death. Dolph gives a couple of reasons why he thinks people are afraid and talks about three types of money and the type that a lot of people do not account for. He also explains a 15-minute exercise that people should do with their budget each week and an illustration with income planning that helps peo...

Dolph Janis talks about 29-year-old NASCAR driver Erik Jones and how quickly he reached 300 starts in the Cup Series. He compares that to how quickly retirement approaches for some people and notes how time never actually slows down or speeds up – it just seems like it does. Dolph talks about how there is never a wrong time to start preparing for retirement, but the earlier steps are taken,...

Dolph Janis discusses the small steps people take in life. He shares a story about a woman who went from depositing $50 per month in an account to eventually maxing her contributions each year and how now she has a big nest egg. Dolph explains how he is first an educator and then an advisor and how he considers his clients part of the Clear Income Strategies Group family. And Dolph laughs about so...

Dolph Janis speaks on annuities and shares how this income plan has gotten a bad reputation over time and why things have changed. He shares the types of annuities he recommends and compares them to the kinds he does not prefer. And he explains who pays annuities and how they can give income for the rest of one’s life. Dolph also talks about The Masters and the big goal the winner finally ac...

Dolph Janis talks about being wary of people that act like they know it all or that they are always right. He talks about moments of reflection that he calls “roses and thorns” and how this keeps him and his family more grounded. Dolph warns about people that use “if” and “should” very often, especially regarding money. And Dolph talks about the types of account...

Dolph Janis talks about the ages that are big benchmarks in a retirement season of life. He shares about what people at age 59.5 can do with retirement accounts and what they can start drawing upon at age 62. Then he talks about Medicare at age 65 and the important things people must do around age 73. Dolph also discusses the right questions to ask and why having an advisor help someone navigate t...

Dolph Janis does a primer on Social Security. He answers five common questions on the subject, regarding working while taking it, how long one has to work before taking it, if Social Security will survive, does retirement account-income change the Social Security payment, and what age is best to start taking it. Dolph also talks about the white papers he writes on different financial subjects and...

Dolph Janis talk about budgeting and spending during retirement. He lays out balancing one’s needs versus wants and the real conversations he has had with people that have wised them up to how much they were actually spending. Dolph shares how he helps people shape their goals around reality, including the one retirement question that many people ask wrong. Schedule a 20 min., complimentary...

Dolph Janis talks about the differences in an advisor guiding someone on the right choices, as opposed to someone just blindly listening to what they are told. He shares the importance of having an open mind, considering all possibilities, and shedding the baggage of other peoples’ bad decisions. Dolph also stresses the importance of proactive planning in retirement. See omnystudio.com/liste...

Dolph Janis discusses the importance of someone having a diverse portfolio. He details what three different buckets someone should use for their money and the intricacies and misconceptions about annuities. Dolph also explains how he is an independent advisor, versus a captive one, and how he has access to 285 different income strategies with 40 different companies. Dolph also stresses how tax pla...

In this episode of The Guard Your Savings Podcast, Dolph Janis discusses the importance of personalized financial planning and the uniqueness of each individual's portfolio. He emphasizes that there is no one-size-fits-all approach to retirement planning and that understanding one's financial situation is crucial for success. Dolph shares insights from his experience with clients, highlighting the...

In this episode of The Guard Your Savings Podcast, Dolph Janis discusses the importance of planning for the New Year, especially in the context of financial success. He reflects on the holiday spirit and family traditions, emphasizing the need for a comprehensive checklist that encompasses both financial and life goals. Dolph shares insights on time management, accountability, and the significance...

Dolph Janis weighs the different options retirees have for guaranteeing an income stream. He talks about annuities and how the can do that and also how one client of his gets income well past the point of their accounts being depleted. Dolph also talks about his surging Detroit Lions and how their teamwork and determination are relatable to how people can deal with their finances. And Dolph weighs...

In this episode of The Guard Your Savings Podcast, host Dolph Janis discusses the critical aspects of retirement planning, emphasizing the importance of preparation, understanding personal readiness, and seeking professional guidance. He shares insights on the decision-making process for retirement, the significance of having a financial plan, and the resources available for individuals' approachi...

In this episode of The Guard Your Savings podcast, Dolph Janis discusses a range of topics including Dolph's unique name, his 20-year marriage, and the complexities of annuities. He explains the different types of annuities, their benefits, and the importance of understanding one's risk tolerance when considering financial products. The conversation emphasizes the need for personalized financial a...

In this episode of The Guard Your Savings podcast, Dolph Janis discusses various aspects of retirement planning, including personal experiences, reflections on community resilience during natural disasters, and a detailed explanation of qualified versus non-qualified money. He emphasizes the importance of having a financial plan, understanding tax implications, and the benefits of different retire...

On this episode of Guard Your Retirement Podcast, Dolph Janis discusses critical benchmarks in retirement planning, including the significance of ages 59 and a half, 62, 65, 66, and 73. He explains how these ages relate to accessing retirement funds, Social Security benefits, Medicare eligibility, and Required Minimum Distributions (RMDs). The conversation emphasizes the importance of understandin...

On this episode of Guard Your Savings Podcast, Dolph Janis discusses the critical relationship between taxation and retirement planning. He explores the implications of upcoming tax changes, the benefits of Roth IRAs, and the importance of strategic financial planning. Dolph shares real-life anecdotes to illustrate the consequences of poor financial decisions and emphasizes the need for education...

Dolph Janis discusses various red flags in different aspects of life, including restaurants and personal finances. He emphasizes the importance of paying attention to warning signs and making smart choices to ensure a better future. Dolph highlights the significance of clear objectives and goals in retirement planning, as well as the need for preparation and self-discipline. He also touches on the...

Dolph Janis, founder of Clear Income Strategies, discusses 401k retirement plans and the potential changes that could affect them. The hosts discuss the proposal to abolish pre-tax 401k and IRA programs, arguing that it only benefits the rich and results in lost tax revenue. They also touch on the importance of social security as a supplemental income in retirement and the need for multiple resour...

Learning how to guard your savings for a comfortable retirement just got easier. Dolph Janis of Clear Income Strategies created the Guard Your Savings Podcast so that you can now access valuable, insightful, and entertaining content centered around all things retirement strategy and saving wherever you go! In each episode, host Dolph Janis will discuss today’s most relevant and concerning financia...