Red Zone Retirement Planning

If you're within 5–7 years of retirement or recently retired, you're entering what I call the Red Zone of Retirement — the most important stretch of your financial life. This is the decade where every decision you make can determine the next 20–30 years of your financial future. In this episode, Adam Olson, CFP®, sits down with TJ to break down: • How the Red Zone Retirement Planning Proce...

🔗 Start Here: https://linktr.ee/adam.olson Most retirees don’t get poorer because of bad investments. They get poorer because of tax sequencing mistakes . In this video, I break down 7 income-sequencing strategies inside the U.S. retirement system that can dramatically increase your after-tax spending power over a 30-year retirement. These are NOT investment tricks. These are tax-bracket and inco...

How much you need to retire quiz: https://bit.ly/Adam-Olson What actually happens when you retire with $3 million in traditional retirement accounts ? In this episode, I walk through the real numbers behind Required Minimum Distributions (RMDs) starting at age 73—and why having a large IRA or 401(k) can quietly turn into a tax and Medicare premium problem if you don’t plan ahead. You’ll learn: Wha...

If you’re 55 or older and feel financially behind heading into 2026, this episode may completely change how you think about retirement. Most people assume retirement readiness is about how much you’ve saved. But after working with hundreds of pre-retirees, I’ve found that it’s not a number problem—it’s a sequence problem . In this episode, I break down why being in your late 50s or early 60s with...

How much you need to retire quiz: https://bit.ly/Adam-Olson Most people think they’re “getting ready” for retirement between ages 60 and 67. In reality, this is when many retirees quietly sabotage their entire plan. In this episode, I break down 9 common purchases people make before age 62 that seem smart—but actually destroy flexibility, increase taxes, and cost tens of thousands of dollars over...

How much you need to retire quiz: https://bit.ly/Adam-Olson Reaching $2 million should mean financial freedom — but for many retirees, it quietly becomes the beginning of long-term trouble. In this video, I break down the $2M spending trap that silently destroys retirement security , even for disciplined savers. I explain how withdrawal inflation, poor account sequencing, unnecessary taxes, and Me...

How much you need to retire quiz: https://bit.ly/Adam-Olson Retiring at 60 sounds like the dream — but one common mistake can quietly destroy your retirement plan for life. In this video, I break down the biggest regret I see early retirees make , and it has nothing to do with market crashes or running out of money. It’s about rushing into the wrong income decisions too early , triggering permanen...

Most people wait years longer than they need to retire — not because they can’t afford to, but because they never see the full picture. In this episode, I reveal the shocking numbers at age 60+ that completely flip the retirement equation , including: Why household spending often drops 25–40% at retirement How Social Security at 62 can instantly replace $18,000–$30,000 per year How Medicare at 65...

Bob Miller: Partner/Vice President of Business Development of MidwestEmail: bmiller@erisaservices.comPhone: (865) 966-1225Mobile: (515) 306-9468Adam Olson, CFP 402-379-6745adam.olson@mutualofomaha.com Most business owners think the most they can save pre-tax is their 401(k).That’s not even close. In this video, I sit down with Bob Miller from ERISA Services to break down one of the most powerful—a...

How much you need to retire quiz: ⁠https://bit.ly/Adam-Olson⁠ Roth conversions are powerful — but blindly converting everything can be one of the most expensive retirement mistakes I see. In this episode, I break down why popular “convert it all now” Roth advice is built for clicks, not real retirement math . We’ll walk through the hidden tax traps most people miss, including: When Roth conversion...

Claiming your retirement income in the wrong order can cost you hundreds of thousands of dollars over your lifetime. In this episode, Adam Olson, CFP®, breaks down the optimal sequence for pulling from your 401(k), starting your pension, and claiming Social Security — and why the order you choose dramatically impacts your taxes, income, and long-term security. Most retirees make the same avoidable...

Most people think the 401(k) crisis happens because they didn’t save enough. The truth? The real crisis happens when retirees fail to convert their nest egg into reliable, sustainable income. In this episode, Adam Olson, CFP®, breaks down why so many hardworking savers still feel anxious at retirement—even with strong balances—and how to avoid the distribution mistakes that wreck thousands of reti...

How much you need to retire quiz: https://bit.ly/Adam-Olson Most people think retirement problems are solved by saving more. But for Mike — a 60-year-old with over $1.2 million saved — the real breakthrough came from one simple fix: withdrawing smarter, not saving harder. In this episode, Adam Olson CFP® breaks down the exact withdrawal sequence strategy that turned Mike’s retirement from anxious...

Most millionaires don’t fail because they didn’t save enough — they fail because they oversaved and never learned how to spend with confidence. In this episode, Adam Olson, CFP®, breaks down the Oversaving Trap — the silent habit that keeps high-net-worth retirees working longer, worrying more, and living smaller than they need to. You’ll meet Nancy, a 64-year-old with $3.1M in savings who still f...

How much you need to retire quiz: https://bit.ly/Adam-Olson Most people think having a few million saved automatically guarantees a stress-free retirement. But when the paycheck stops, fear shows up fast. In today’s episode, I walk you through the real story of Dave and Dawn — ages 59 and 58 — who came to me with $2.8 million saved and one big question: “Can we retire now and never work again?” Us...

Most people think retiring at 58 is “too early”… but after working with hundreds of pre-retirees, I can tell you — many could walk away years sooner than they think. In this episode, I break down the framework behind early retirement and show you why the biggest retirement mistake isn’t leaving too soon… it’s waiting too long based on outdated assumptions. You’ll hear the real story of Mark and Su...

How much you need to retire quiz: https://bit.ly/Adam-Olson Most retirees don’t realize they’re falling into the 84% mistake —anchoring their retirement spending to Required Minimum Distributions (RMDs). JP Morgan’s research shows 84% of retirees withdraw only the minimum required amount, leading to chronic underspending, lost experiences, and higher lifetime taxes. In this episode, Adam Olson, CF...

Everyone talks about the magic retirement number — $1 million, $2 million, or more. But what if that number doesn’t actually tell you whether you’re ready? In this episode, Adam Olson, CFP®, breaks down the truth behind the $2 million myth and reveals why some retirees run out of money while others thrive with much less. You’ll learn how taxes, inflation, and lifestyle choices can drastically chan...

What You Can NOW Do With $2 Million Saved — And What Most Retirees Miss How much you need to retire quiz: https://bit.ly/Adam-Olson Episode Description: In today’s episode, Adam Olson, CFP®, breaks down the overlooked opportunities available once you’ve crossed the $2 million milestone. After helping countless high-net-worth families navigate the Red Zone Retirement™ years, Adam reveals the income...

Reference: https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/out-sight-out-market-ira-cash-drag.html?utm_source=chatgpt.com 8499371.1 Vanguard’s latest research revealed something shocking: most people over 55 are saving completely wrong . It’s called the IRA Cash Trap — and it’s quietly destroying retirements across America. In this video, Adam Olson, CFP®, breaks down: ✅...

Even the most well-planned retirements can trigger massive, unexpected tax bills — but it doesn’t have to be that way. In this episode, Adam D. Olson, CFP® , explains the unknown tax strategy that helps retirees reduce lifetime taxes by $50,000 to $200,000 — using Roth conversions, bracket management, and timing that most advisors overlook. You’ll discover: Why Required Minimum Distributions (RMDs...

If you’re 55+ and still stuck in “one more year” mode, this episode is your wake-up call. I break down why endless accumulation can quietly rob you of your healthiest, most active retirement years—and how a clear, personalized plan can flip the script. Inside, you’ll learn: The “accumulation trap” that keeps moving the goalpost How the Go-Go/Slow-Go/No-Go years really work (and why timing matters)...

How much you need to retire quiz: https://bit.ly/Adam-OlsonHere’s Why the New $6,000 Senior Bonus Deduction Could Change Your Retirement Tax Plan (2025–2028) 8431621.1Most retirees miss temporary tax windows. This one’s big. In this video, I break down how the new $6,000 senior bonus deduction (up to $12,000 for couples) can reduce your taxable income, who qualifies, and how to coordinate withdraw...

How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn’t Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process help...

How much you need to retire quiz: https://adamdolson.com/retire-quiz/Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor S...