Pension Protectors

Kenny is a firefighter/paramedic in Northern Kentucky with almost 3 decades of experience.  He shares his story about his struggles and how embracing the wellness culture had a profound impact in his life and those around him.  Be sure to connect with Kenny as he is continuing his mission to help other first responders in the area by putting on an annual Northern Kentucky First Responder Wellness...

Chris talks about what it meant to be the son of a Cincinnati cop and then ultimately follow the same path and his experiences after 3 decades in law enforcement.   Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance through Equitable Network, LLC.  Equitab...

Sharon Bohlen of Bohlen Benefits joins Matt as a Medicare specialists to discuss healthcare in retirement.  They even cover what someone can do for healthcare if they are not quite of Medicare age.   Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance throu...

Matt is joined by Stan Partlow who has spent his whole career in law enforcement and security.  Stan talks about the lessons he learned and the role of wellness in a LEO's career. Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance through Equitable Ne...

Veronica Sterling has spent her last two decades serving as CEO of Hospice of Southwest Ohio.  Listen as she details as some of the greatest life lessons gleaned from people in their final days. She even shares the secret of what she believes is the key to staying young and vibrant. Be sure to stay to the end as Veronica also reveals how she has packaged these lessons into her own message.  How ha...

Matt and Clint discuss 457 plans and how they can be an integral part of your long term financial strategy. PPG-8729165.1 (01/26) (Exp.01/30) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance through Equitable Network, LLC.  Equitable Advisors and its aff...

Got your eye on a big ticket item?   Perhaps a new house, car, or something else?   How much should you actually budget for these types of necessities?   We have your answers!     Tune into the latest episode of Pension Protectors to learn about budgeting for large purchases.   PPG- 8652814.1 (12/25) (Exp.12/29) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC...

Matt and Dr. Grawert discuss the stresses of the holidays and how people can best deal with money and addiction issues around one of the toughest stretches in the calendar.  Matt draws on his own recovery journey and shares tips and tricks to best navigate the holiday season.  Be sure to listen to the end where he shares the best Christmas gift he ever received....and here is a hint, its not anyth...

A lot of our identities are wrapped up in the work we do. So what happens when all of that goes away and we have to quickly transition to a new version of ourselves? Join us as we welcome Jessica Flores to the podcast as she shares her struggles and lessons learned from her time as a cop and then civilian.   PPG-8607511.1(12/25) (Exp.12/29) Clinton Kersting and  Matthew McManus offer securities th...

Are you leaving pension money on the table?   When it comes to claiming your pension are you getting the most benefit from the state?   Are you aware there are potential strategies to get more out of the pension system than what you might have thought possible?   Clint and Matt breakdown different options that you might want to think about before making that final decision. PPG-8487858.1(10/25) (E...

One area of money I see more first responders (and civilians) screw up time and time again?   Estate planning, specifically when it comes to naming beneficiaries.   The craziest stories I hear from people and other advisors always seems to pertain to this arena.   Know what will happen to your money and your assets when you pass.   Have you done a beneficiary audit of your accounts recently?   The...

Tom Burton spent his whole career in public education.  He started out in the classroom, worked his way up to being the superintendent of one of the largest school districts in Ohio, and now travels the country as a keynote speaker.  Tom shares his lessons learned, mistakes made, and wisdom gained on his journey to success both professionally and financially.  Tom brings his high energy and direct...

How did you end up working with first responders, and why did you get in this business? I get that question a fair amount. So instead of repeating myself, I put it in a podcast with my buddy Clint. Running a financial practice is very hard and demanding mentally/emotionally. Why do we do what we do, and what keeps us motivated and in the game? Well, to get those answers you will have to check out...

Season 3 begins with Clint and Matt diving deep into the Social Security Fairness Act.   The repeal of the Windfall Elimination and Government Pension Offset have found our state pension clients in a unique situation. Join us as we go deeper into what this truly means to you! PPG-8383021.1 (9/25)(Exp. 9/29) #SocialSecurityFairnessAct, #VoteHR82, #EliminateWEP, #EliminateGPO, #SocialSecurity, #Publ...

What should we do with all that stuff our parents having been holding on to for the last 40 years? I asked my guest this question. Rosie Harris from Caring Transitions in Cincinnati, Ohio helps families determine what should stay and what needs to go when aging parents can no longer stay in their own home. Join us on Pension Protectors this week as Rosie artfully tackles this delicate topic.   PPG...

Megan Lautz joins Matt to lend her insights into health, and specifically nutrition for #firstresponders.  Megan is a registered dietician and currently works with police and fire in Fairfax County, Virginia.  She also is the owner of RescueRD LLC where she does freelance work to take what she has learned working with that group of people and share it with other agencies across the nation.  She be...

We know what we are retiring from, but what are we retiring to? In this week's episode, Matt and Clint breakdown the often missing piece and unanswered question of "what comes next?" Find our podcast on most major platforms. 7972017.1(05/25) (Exp.05/29) #firstresponders #wellness #purpose  #RetirementGoals , #RetirementPurpose , #PurposefulLiving , #ThirdAct , #RetireWithPurpose , #...

Who do you trust without question? Your partner, your spouse, your unit? But what about when it comes to your money? Who should you trust? You've done great saving, and you are near retirement, and you realize managing that pile of money is out of your skillset. But....you aren't just going to turn your lifesavings over to anyone. Financial services is riddled with  ❌Confusion ❌Charlat...

Dr. Lauren Grawert from Aware Recovery Care discusses treatment options for those who are wanting to get help in the privacy of their own homes, especially for first responders and their spouses.  This is especially useful if you do not want your colleagues or your employer to know.  We talk about wins, losses, and stumbling blocks that people go through on their journey towards recovery.  Matt ev...

What is the magic number for retirement? Spoiler.... It is different for everyone. How do you know what is yours? Join Matt and Clint this episode to see how much you need to make your retirement dream a reality. PPG-7877788.1 (05/25) (Exp.05/29) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Ten...

Matt and Clint discuss the Partial Lump Sum Option Plan (PLOP) offered by some of the pension systems in Ohio.  What's the right amount and where should I put it, are just some of the questions they answer.   PPG #7823288.1 (04/25) (Exp.04/29 Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Te...

Matt interviews Don Scalf from the Cincinnati Police Department.  Don shares his own story of the challenges he faced after a critical incident in which he was involved.  This episode dives deeper into the mental health issues that first responders are often confronted with in their line of work.  Some topics may be sensitive for younger audiences.   PPG-7853632.1 ()6/25) (Exp.06/29) Clinton Kerst...

To DROP or not to DROP, that is the question. Clint and Matt tackle the pros and cons of the DROP program. They go into greater detail about how it works and why someone should or shouldn't entertain this option. 7795640.1 (04/24) (Exp.04/29) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Te...

Clint and Matt discuss what inflation is and why your pension may not be enough in retirement. PPG-7745096.1 (03/25) (Exp.03/29) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance through Equitable Network, LLC.  Equitable Advisors and its affiliates do no...

Clint and Matt discuss different ideas on how to incrementally improve our lives in order to live a well rounded and well balanced life. PPG-7716967.1 (03/25) (Exp.03/29) Clinton Kersting and  Matthew McManus offer securities through Equitable Advisors, LLC, member S.I.P.C., Equitable Financial Advisors in Michigan and Tennessee, and offer annuities and insurance through Equitable Network, LLC.  E...