Power Your Retirement

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html There’s something unforgettable about a snow day- unexpected, disruptive, and strangely freeing. In...

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html A new year brings new rules, and some of the changes in 2026 could quietly impact your cash flow, t...

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html As we close out 2025 and look ahead to the new year, we’re answering listener questions in this spe...

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html You’ve heard the saying, “There’s no such thing as a bad question.” But in retirement planning… som...

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12 ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html How do you know if the financial advisor you’re working with is actually the right fit or a costly...

Send us Fan Mail 📱 Want expert help in planning for your financial future? Book your 401(k) Onboarding Meeting with Steve: https://calendly.com/steven-powerhouse-advisor/401-k-retirement-meeting-1-hour-clone?month=2024-12  ⚡ Get your no-cost Retirement Toolkit: https://keap.page/ngt919/toolkit.html We spend plenty of time talking about how to become a client, but today we flip the script and tal...

Send us Fan Mail Fidelity just released their 2025 Retiree Health Care Cost Estimate, and the number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans haven’t even thought about health care costs in retirement. Steve breaks down what this means, why it matters, and how to prepare before medical costs derail your plan. Health care is one of retireme...

Send us Fan Mail Thanksgiving gives us the perfect excuse to pause and appreciate what’s going right, financially and otherwise. Gratitude doesn’t just lift your mood; it has a real impact on how you save, spend, and plan for the future. When we slow down long enough to acknowledge what we have, it becomes easier to make wiser, more grounded financial decisions. Today, Steve talks about how thankf...

Send us Fan Mail Most people think financial planning is about calculators, spreadsheets, and strategies, but that’s only half the story. The way you feel about money can influence your decisions just as much as the numbers do. Steve explores how emotions shape retirement choices, investment preferences, debt decisions, and even legacy goals. Numbers create the structure, but your feelings shape t...

Send us Fan Mail What would you do if a client came in with $1 million in cash to invest? That was the question put to three financial advisors in a recent article. Today, Steve is reacting to their takes and adding some important layers that the article missed. It’s interesting to hear what other pros recommend, but the reality is that every million-dollar plan is unique.  Here’s some of what we...

Send us Fan Mail Bonds used to be the “boring” part of a portfolio- safe, steady, and not very exciting. But with yields at multi-decade highs, many investors are asking: is now the time to give bonds a bigger role in your strategy? In this episode, Steve explains how to evaluate bond opportunities in today’s environment and assess whether they’re a wise choice for you. Before you go all in, make...

Send us Fan Mail Well, you’re retired. Now what? Some people subscribe to the “first year rule,” which says that the majority of your best retirement months will all take place in the first year of retirement. So how can you be strategic during that first year and set the tone in the right way, both emotionally and financially? In this episode, Steve outlines five key areas that every new retiree...

Send us Fan Mail October is known for cooler weather, pumpkins, and Halloween. But did you know it’s also Financial Planning Month? While it might not come with costumes or candy, it’s a perfect reminder to pause, take stock, and be intentional with your money. Steve shares four simple but powerful ways to refresh your financial life and make sure your money is aligned with your values and future...

Send us Fan Mail In this mailbag episode, Steve tackles a listener question from Seth about whether or not to buy an RV in retirement, and how to do it without wrecking his financial plan. Should he drain his IRA and take the tax hit, or take on new debt in his 60s? Steve walks through how to think about big-ticket purchases in retirement, when debt might be acceptable, and how Roth 401(k)s can pl...

Send us Fan Mail For many parents, the dream of sending their kids to college comes with a heavy financial hangover. In this episode, Steve breaks down the surprising new research showing how college costs are derailing retirement goals, and why nearly half of parents say they’d rather talk about drugs and politics than tuition costs. Steve explains where families go wrong, from overextending them...

Send us Fan Mail We all know there are things in life you probably shouldn’t trust, like gas station sushi or an email from a Nigerian prince. But what about when it comes to retirement planning? Sometimes what looks safe, easy, or even “guaranteed” isn’t so trustworthy when you peel back the layers. In this episode, Steve shares the financial “gas station sushi” equivalents that lure people in bu...

Send us Fan Mail You’ve spent decades building your investment accounts, monitoring the markets, and contributing to your 401(k). That’s great. But here’s the truth: you’re not ready to retire if that’s all you’ve done. Retirement planning isn’t just about your portfolio; it’s about so much more. In today’s episode, Steve explains why focusing only on the numbers can leave blind spots that derail...

Send us Fan Mail Inflation may not be in the headlines like it was in 2022, but for most Americans, it’s still public enemy number one when it comes to saving for retirement. A new Schwab survey reveals just how many people feel unprepared, and the ripple effect it has on retirement confidence. In this episode, Steve unpacks the numbers behind the survey and talks through what they mean for you.  ...

Send us Fan Mail Most people don’t feel wealthy. But what if your day-to-day habits are quietly building serious financial strength? A recent article from Kiplinger outlined five surprising signs that you might be richer than you think. And none of them involve yachts or private jets… Let’s analyze the habits that signal real, lasting wealth and what to do if you are (or aren’t) on the right track...

Send us Fan Mail It’s been 60 years since Beatlemania took America by storm. But beyond the screaming crowds and legendary performances, some of their lyrics still carry timeless wisdom, even when it comes to your financial life. In this episode, Steve takes us on a magical mystery tour through classic Beatles songs to uncover lessons about investing, planning, and preparing for retirement. Here’s...

Send us Fan Mail The kids may be heading back to class, but it’s also a great time for adults to brush up on retirement planning. In this episode, Steve walks through some key concepts that can make or break your retirement readiness. Test your knowledge with this quick financial pop quiz- five essential questions every pre-retiree and retiree should know.  Here’s some of what we discuss in this e...

Send us Fan Mail The 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? Here’s some of what we discuss in this episode: 💡 T...

Send us Fan Mail Target-date funds just passed $4 trillion in assets. They’re now the default investment in many 401(k)s, and millions of Americans are using them without really understanding how they work. So, are they a smart choice or just the easiest one? In this episode, Steve unpacks the pros, cons, and misunderstood mechanics of target-date funds.  Here’s some of what we discuss in this epi...

Send us Fan Mail Today, we’re answering a smart question from a viewer about hiring a spouse or children in a family business. When structured properly, this strategy can create meaningful tax deductions, help a spouse build Social Security benefits, and even give children a head start on retirement savings. But if handled carelessly, it can raise red flags with the IRS. Here’s some of what we dis...

Send us Fan Mail Financial terms get thrown around all the time- crash, correction, high yield, equities, fiduciary- but do you really know what they mean, and why the wording matters? In today’s episode, Steve breaks down common financial terms you hear all the time, what they really mean, and why understanding them could make a real difference in your confidence and financial decisions. Here’s s...