Retirement Readiness Podcast

This week on The Retirement Readiness Podcast, Tim Regan and Katie Umland take a step back from dollars and cents to ask: How do you really define wealth?  Drawing from both personal stories and client experiences, Tim and Katie explore the ways wealth can mean much more than just a bank balance—from health and relationships to intentional living and finding time for what matters most. Tim shares...

This week, Tim Regan and Katie Umland take a lighter approach on the Retirement Readiness Podcast as they explore the ins and outs of road trips in retirement. With summer on the horizon, Tim and Katie discuss why the freedom that comes with retirement is the perfect opportunity to rediscover the classic American road trip—whether it’s a weekend getaway, a cross-country adventure, or something in...

This week on The Retirement Readiness Podcast, Tim Regan welcomes Laura Rudzinski, a 31-year veteran of her company and long-time participant in its employee stock ownership plan (ESOP). Together, they explore what it really means to be an employee-owner, how an ESOP can play a unique role in retirement readiness, and the key planning considerations for those participating in such plans. Laura sha...

This week, Tim Regan and Katie Umland explore the realities of semi-retired life—a stage where you’re “kind of working, you’re kind of retired” and figuring out how to make it work for you. They discuss common reasons people choose part-time or consulting work in retirement, from financial necessity and personal interests to simply needing something to do outside the home. Tim and Katie candidly r...

In this episode of The Retirement Readiness Podcast, Tim Regan and Katie Umland explore the critical transition from wealth accumulation to wealth distribution in retirement. They tackle the often daunting task of structuring investments to ensure your financial strategy sustains you through retirement, and Tim equates it to mountain climbing: “You would use different tools, different strategies t...

In this episode of The Retirement Readiness Podcast, we're addressing a critical concern for retirees: how to navigate economic downturns once you've left the workforce . Hosts Katie Umland and Tim Regan engage in a candid discussion about the strategies retirees can employ to protect their financial security during turbulent market conditions. "Once you hit retirement age, I lose a...

In this week's episode, hosts Katie Umland and Tim Regan explore the nuanced challenges faced by the sandwich generation, those individuals caught between supporting their children and caring for aging parents. How do you balance the responsibilities of two generations? What are the financial implications, and how can you prepare for what's often an unpredictable but inevitable situation...

This week, we're tackling an important question for those approaching retirement: How do you know when it's time to move, and what should you consider during this life transition? Hosts Tim Regan and Katie Umland delve into the complexities of moving in retirement, from deciding whether to downsize to contemplating a move to a retirement community. Many clients have grand plans to downsi...

On this episode of The Retirement Readiness Podcast, Katie Umland and Tim Regan explore the complexities of planning for retirement and estate management in blended families. They delve into the unique challenges and considerations blended families face when trying to ensure a fair and smooth transition of assets across their family structures. From understanding the dynamics of a family where &qu...

In this episode, we're exploring a vital decision: How to choose the right financial advisor for your unique needs and when to seek one. Ever found yourself wondering, "What exactly does a financial advisor do?" You're not alone. Many people might not even realize the full range of services and support a financial advisor offers—or what to look for when searching for one. We kn...

In this week's episode of The Retirement Readiness Project, we're tackling an issue that's becoming increasingly crucial for retirees: cybersecurity . Our hosts, Katie Umland and Tim Regan, dive into how retirees can protect themselves in an ever-changing digital landscape. Cyber threats evolve rapidly, and it's essential to stay one step ahead. Our guest breaks down the import...

In this episode of The Retirement Readiness Project, we tackle an all-too-common financial pitfall: mentally spending your bonuses or pay raises before they hit your bank account. Hosts Katie Umland and Tim Regan offer sage advice on how to channel these financial windfalls strategically to build an emergency fund, pay down debt, and ultimately enjoy your earnings guilt-free. “If you think of mone...

Curious about whether cryptocurrency has a place in your retirement portfolio? Tune in as Tim Regan and Katie Umland delve into this controversial yet fascinating topic! Together, they're breaking down the complexities of crypto and its potential implications on your financial future. Tim and Katie discuss the investment value of cryptocurrencies, the technology that underpins them, and wheth...

Ever grappled with holiday spending and budgeting? This episode of The Retirement Readiness Project is here to help! Hosts Tim Regan and Katie Umland walk you through practical tips and personal stories about navigating holiday expenses and setting up a budget that works for you. From the confusion of layaway programs to the pitfalls of credit card debt, Tim and Katie discuss why budgeting during...

This week, join hosts Tim Regan and Katie Umland as they explore the rapidly evolving landscape of robo advisors and AI technology in the financial services industry. Are these technological advancements a threat to traditional financial advisors, or do they present new opportunities to enhance client services? Tim and Katie delve into how AI and machine learning are transforming everything from i...

In this week’s episode, hosts Katie Umland and Tim Regan chat about the often-overlooked art of thoughtful decision-making and its impact on your financial future, particularly as the year comes to a close. They unpack valuable strategies for end-of-year tax planning and investment decisions, all while sharing a few personal anecdotes about holiday season chaos and recent family moves. The guest h...

In this episode of The Retirement Readiness Project, we delve into the often neglected yet vitally important topic of involving family in financial decision-making. Hosts Tim Regan and Katie Umland explore why it’s crucial to bring family members into conversations about financial planning and decision-making well before any end-of-life scenarios arise. From discussing the need to communicate with...

This week’s episode explores a crucial aspect of financial readiness: how to build strong financial foundations through effective college planning and money management strategies. Hosts Tim Regan and Katie Umland tackle real-world issues associated with preparing for college costs, including financial conversations, planning timelines, and teaching kids about money management at an early age. &quo...

This week, we're diving into a question many people ask themselves: Do I really need a financial advisor – and if so, what should that relationship look like through the different phases of life? Often, your financial needs evolve through different stages of life – from early career to family life, pre-retirement, and into retirement. Hosts Tim Regan and Katie Umland explain why it’s crucial...

Have you ever wondered what life could have been if you'd pursued a different career? Today, hosts Tim Regan and Katie Umland dive into the exciting possibilities of working after retirement or embarking on an entrepreneurial journey as a retiree. They share real success stories to help inspire your "second act” – from a previous client who became a global tour guide to an RV-lover who’s...

In this episode of the “Retirement Readiness” podcast, our hosts discuss the importance of having a financial advisor even after retirement, emphasizing that retirement is not an endpoint but an ongoing journey that requires guidance. With new complexities like tax planning and required minimum distributions, an advisor can help you take a whole-life approach to keep your goals and money on track....

Wondering how to become independently wealthy? In our latest episode of the “Retirement Readiness” podcast, hosts Tim Regan and Katie Umland dive into: What “independent wealth” truly means How building wealth and generating income are different The importance of creating specific goals, designing an intentional path to success, and planning for obstacles you’ll face along the way Sometimes, those...

In today's episode of "Retirement Readiness," hosts Tim Regan and Katie Umland explore the evolving phases of financial planning across one's lifetime. They break down the journey into three key stages: establishing a career and financial foundation in your early years optimizing wealth while your career flourishes and during the family-raising years strategic wealth management...

Did you ever imagine retirement as a launchpad for your dream business? Still love the idea of being your own boss? One of the best parts of living a Two Comma life of abundance is the opportunity to design a lifestyle you love (even after you stop working). This episode of “Retirement Readiness” explores the exciting world of encore entrepreneurship – or building your own business as a senior. Le...

In this episode of the “Retirement Readiness” podcast, Tim and Katie explore the concept of cultivating a "millionaire mindset" focused on abundance, freedom, and living a life filled with purpose. Listen in to discover: Finding your calling and what brings you joy Making small, consistent changes to achieve big results The importance of breaking free from limitations outside of your fis...