On The Money Radio Show with Jerry & Nick Royer

What if a market dip could wipe out years of your hard-earned savings—are you prepared for the “say what?” moments that catch retirees by surprise? Discover how America's father-and-son financial coaches, Jerry and Nick Royer, stress-test 401ks and debunk the famous 4% rule. Learn how hidden risks, income layering, and overlooked tax moves may shape your retirement reality. Find out why surviving...

Jerry and Nick go over seven areas that indicate you may not be ready for retirement, including not having an income withdrawal strategy, no health insurance plan if you want to retire before age 65, not planning for taxes, not optimizing Social Security, and more. For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

What happens when a lifetime of saving can vanish in a single year? Nearly half of inheritances evaporate before families even realize the pitfalls. Join Jerry and Nick Royer, America’s father and son financial coaches, as they unravel the emotional traps, critical planning mistakes, and overlooked opportunities that determine whether a legacy lasts—or just slips away. This episode explores how sm...

“What if the biggest retirement risks aren’t markets—but milestones you missed?” This episode breaks down the critical ages that quietly reshape your taxes, income, healthcare, and Social Security decisions. From early retirement access rules to required withdrawals and Medicare deadlines, each checkpoint carries consequences most people don’t see coming. The conversation reveals how timing—not ju...

Ever wonder if your nest egg is truly safe from stealthy taxes and market swings during retirement’s final yards? As Jerry and Nick Royer unravel the secrets behind the “Retirement Red Zone,” listeners discover hidden risks, overlooked tax strategies, and the real reasons annuities spark controversy. This episode blends football analogies, lively debate, and candid advice to spotlight how pivotal...

"Does retirement feel more stressful and confusing than ever?" Surging prices, market shake-ups, and financial headlines are wearing Americans down—and even well-prepared savers are left feeling uncertain about their future. In this episode, Jerry and Nick Royer tackle the hidden dangers threatening your retirement, including stealthy taxes, healthcare landmines, and market surprises. Tune in as t...

Could one overlooked detail quietly sabotage your retirement dreams? This episode dives deep into the risks and blind spots lurking in your 401k and financial plan—revealing why “set it and forget it” may not work when your paycheck stops. Discover little-known strategies for gaining control, avoiding costly mistakes, and protecting your income, taxes, and legacy. The conversation reveals insights...

"Is your retirement income built to weather a financial storm, or are you unknowingly flying solo?" Inflation, rising costs, and surprise market turbulence have sent many retirees back to work—sometimes out of necessity, not choice. In this episode, discover why the difference between ‘work optional’ and ‘work required’ comes down to layers of planning, hidden vulnerabilities, and understanding wh...

"Are your retirement savings truly safe from the market's next storm?" Discover how emotion-driven decisions and hidden risks can derail decades of careful saving. Jerry and Nick Royer reveal overlooked pitfalls, clarify the difference between “red money” and “green money,” and share strategies for staying steady when markets turn turbulent. With insider insights and tools for stress-testing your...

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week on "On The Money," Jerry and Nick Royer explored the concept of risk in retirement—with a special focus on how emotional decisions and lack of planning can undermine even the most well-funded nest eggs. They discussed the four warning signs that may indicate you're taking on too much risk: constantly checking your investment accounts, losing sleep over market drops, making panic-driven o...

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer, discussed the hidden risks of retirement planning, especially when markets are rising. While a strong market can create a sense of security, the show explored how complacency may leave retirees and pre-retirees exposed to unforeseen threats like market downturns, healthcare costs, inflation, taxes, and unexpected expenses. The Royers emphasized the importance of ha...

This week’s episode of "On the Money" with Jerry and Nick Royer focused on helping retirees and near-retirees navigate the hidden tax traps that can threaten retirement security. The Royers introduced their “Tax Survival Guide for 2026,” answering common listener questions about how retirement income from sources like Social Security, IRAs, and pensions often stacks up in unexpected ways—potential...

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s "On the Money" show hosted by Jerry and Nick Royer offered listeners a Christmas-themed guide to navigating retirement, emphasizing that retirement isn’t the finish line—it's the start of a new chapter that could last decades. The discussion highlighted the importance of having a well-organized financial plan, touching on critical topics such as making your money last, creating stable...

This week’s episode of “On the Money” with Jerry and Nick Royer focused on the importance of a comprehensive financial cleanup to ensure a stable retirement. Jerry and Nick, America’s renowned father-and-son financial coaches, discussed how many individuals collect financial documents over the years—often stashed away like clutter in a garage—and ignore critical details that directly affect their...

This week, Jerry and Nick Royer tackled the critical topic of retirement tax planning, focusing on what they call the “Retirement Red Zone”—the five years before and after retirement where every financial decision matters most. They discussed recent changes in tax laws, emphasizing that today’s lower tax rates and deductions, including the new senior deduction, are potentially temporary. With risi...

This week, Jerry and Nick Royer explored the seven most common mistakes retirees and pre-retirees make with their money, including misconceptions about diversification, ignoring tax implications, and lacking a clear, tested income plan for retirement. The show highlighted the importance of true diversification across asset types and proactive tax planning, noting that IRAs and 401(k)s are often mi...

This week’s episode centers on how retirees can stay financially secure amid a turbulent economy, emphasizing the pitfalls of one-size-fits-all financial plans and the dangers of panicking during market volatility. Jerry and Nick Royer—America’s father-and-son retirement coaches—stress that true financial confidence requires more than simply accumulating assets; it’s about having a customized plan...

This week, Jerry and Nick Royer explored the growing trend of using artificial intelligence for financial advice, warning that while AI tools like ChatGPT can be helpful for gathering general information or overcoming writer's block, they often miss the crucial personal context needed for sound financial planning. The duo cited a study showing that AI responded incorrectly to 35% of finance questi...

This week, Jerry and Nick Royer tackled the critical question of when to claim Social Security, emphasizing the pitfalls of "panic claiming". The father-son financial coaches debunked common fears—like Social Security running out—and urged listeners to base their decisions on careful math, considering factors like continued employment, longevity, and spousal needs. They stressed the importance of...

This week on "On the Money," financial coaches Jerry and Nick Royer tackled the challenges of making your money last through retirement, managing market risk, and minimizing taxes. The show kicked off with troubling stats about recent market drops and emphasized the importance of "crash testing" your retirement plan — simulating stressors like market downturns, tax hikes, and inflation spikes to e...

This week’s “On the Money with Jerry & Nick Royer” zeroed in on the real keys to lasting retirement success—protecting your nest egg against inflation, market risk, and taxes. Jerry and Nick, acclaimed father-and-son financial coaches, highlighted how the financial landscape has changed drastically, with rising home prices and soaring everyday costs. Through practical examples and a touch of h...