The Real Retirees of New Jersey

Is procrastination quietly sabotaging your financial future? This episode of Real Retirees of New Jersey dives into how delaying decisions can cost you—especially when it comes to retirement planning, debt, and cash flow. Hosts Randy and Peggy Fisher share candid stories, practical strategies for setting goals, and advice for all ages on overcoming analysis paralysis. From holiday distractio...

What happens when family, finance, and fish tanks collide? Dive into the lively world of Peggy and Randy Fisher, a husband-and-wife team balancing 35 years of marriage, entrepreneurship, and a house full of pets and personalities. From insurance beginnings to building Liberty Financial Group and Artemis Wealth Advisors, discover how their unique partnership brings fresh perspectives to retirement...

Is your retirement strategy ready for the holiday season—and the realities of today’s economy? This episode of Real Retirees of New Jersey brings together lively stories from client Christmas parties, candid talk about inflation, and practical advice for building income when you’re nearing retirement. Hosts Randy and Peggy Fisher share how celebrating clients, understanding cash...

What happens when a layoff threatens your retirement dreams just years before you’re ready? Randy and Peggy Fisher break down the tough realities of job loss in your fifties, sharing practical strategies to avoid costly mistakes with your 401(k), IRA, and emergency savings. Learn why flexibility, preparation, and understanding your options can make all the difference when facing an uncertain...

Is your retirement plan being eaten away by hidden “termites” you can’t see? Join Randy and Peggy Fisher as they tackle the realities of retiring in New Jersey, from sky-high taxes and property costs to the surprising fees lurking in your portfolio. With candid stories, travel dreams, and a dose of humor, this episode reveals why understanding what you’re really paying for...

What’s the real secret to retirement success? This episode strips away the myths and gets honest about when and how to start planning, why “income is the outcome,” and how to tackle debt, inflation, and changing Social Security. Randy and Peggy Fisher share candid stories and practical strategies for building a retirement plan that fits your life—no matter where you’r...

Ever wondered what retirees really talk about when the mics are on—and off? This episode dives from colonoscopy comedy to the realities of Social Security, budgeting, and building income for retirement. Randy and Peggy Fisher blend candid stories, financial wisdom, and laughs, proving that planning for the future doesn’t have to be boring—or predictable. For more information visi...

Ever wondered why “no” is the default answer in retirement—and how saying “yes” could change everything? Join Peggy and Randy Fisher as they share spontaneous travel stories, tackle the realities of taxes, Social Security, and Medicare, and reveal how inflation and government policies impact retirees in New Jersey. Discover practical insights and candid moments that w...

What if your advisor’s silence on taxes is costing you thousands? This episode exposes the pitfalls of poor tax planning, the power of Roth conversions, and why Social Security isn’t as tax-free as you think. Randy and Peggy Fisher share real-life stories, break down self-directed IRAs, and reveal how “taxes on sale” could reshape your retirement strategy. For more informat...

Why do so many adults hesitate to get financial advice, even when their future is at stake? This episode tackles the fear and procrastination that keep retirees and pre-retirees from making smart decisions. Randy and Peggy Fisher share brutally honest stories about debt, trust, and the power of second opinions. Learn how proactive planning, facing real numbers, and breaking bad habits can transfor...

What does “going broke safely” really mean for retirees? This episode explores the emotional shock of retirement, the dangers of procrastination, and why sticking to proven financial strategies beats chasing trends. Randy and Peggy Fisher share real stories—from lottery fantasies to bucket-list adventures—and reveal how fear and indecision can sabotage your financial future...

What do magical pennies, machine-gun ants, and $86 trillion have to do with retirement? In this episode of Real Retirees of New Jersey, Randy and Peggy Fisher blend humor with hard-hitting financial truths—from the dangers of procrastination to the realities of Social Security, inheritance planning, and healthcare costs. Whether you're waiting on a windfall or planning to pass one down, this...

What do candy cigarettes, Cracker Barrel casseroles, and procrastination have in common? More than you think. In this episode, Randy and Peggy Fisher dive into the quirky comforts of nostalgia before tackling the very real risks of delaying retirement planning. From missed opportunities to the power of compounding interest, they share stories, strategies, and a few “Randyisms” that hig...

What does it mean to “retire once and retire right”? In this heartfelt episode, Randy and Peggy Fisher share their mission. From emotional market reactions to the realities of losing a spouse, they explore the human side of retirement and why relationships matter more than products. Hear how Liberty Financial Group and Artemis Wealth Advisors work together to offer clients comfort, cla...

What happens when your insurance agent mom sets you up on a blind date—and it leads to a 35-year marriage and a thriving financial business? In this episode of  Real Retirees of New Jersey , Peggy Fisher and Randy Fisher share their origin story, the challenges and joys of working together, and how Liberty Financial Group and Artemis Wealth Advisors became a one-stop shop for retirement...

What happens when you retire without a plan? In this episode, Randy & Peggy Fisher tackle the myths, mindsets, and market risks that derail retirement. From inflation and tariffs to Social Security and annuities, they break down how to build income that lasts. Hear real stories of retirees who thrived—and those who didn’t—based on their strategy. Plus, learn why “income...

What happens when retirement meets real life? In this episode of  Real Retirees of New Jersey , Peggy and Randy Fisher share travel tales, retirement relocation tips, and heartfelt stories about helping clients through loss. From pickpocketing in Barcelona to the pros and cons of retiring abroad, they explore how planning, flexibility, and trusted financial guidance can make all the differenc...

What’s inside the “big, beautiful bill” that could reshape your retirement? In this episode, Randy Fisher and Peggy Fisher break down the latest legislation’s impact on taxes, Social Security, Medicare premiums, and Roth conversions. From new deductions for seniors to strategies for living tax-free, they explain how retirees—and those nearing retirement—can take...

Is your retirement strategy built to adapt? In this episode of  Real Retirees of New Jersey , Randy and Peggy Fisher break down the difference between active and passive portfolio management—and why communication and flexibility matter more than ever. They also tackle the pros and cons of DIY investing, the emotional toll of market volatility, and how to transition from managing your ow...

What do molar surgery, money dates, and the “Big Beautiful Bill” have in common? In this episode of  Real Retirees of New Jersey , Randy and Peggy Fisher blend humor with hard-hitting financial advice—from building emergency and opportunity funds to navigating retirement buckets and tax refunds. They share how couples can get on the same page about money, why dipping into yo...

This week on The Real Retirees of New Jersey, Peggy & Randy Fisher discuss their recent trip to Puerto Rico and draw parallels between vacation planning and retirement planning. They emphasize the importance of proactive financial planning, especially in light of new tax legislation that affects retirement savers. The conversation covers tax strategies for seniors, the benefits of Roth convers...

This week on The Real Retirees of New Jersey, Randy & Peggy Fisher discuss the importance of retirement planning, investment strategies, and the emotional aspects of investing. They emphasize the need for active management in portfolios and the significance of communication between advisors and clients. The conversation also covers the differences between active and passive investing, highligh...

In this episode of The Real Retirees of New Jersey, Randy & Peggy Fisher discuss the intricacies of retirement planning, focusing on the hidden fees in investments, the value of active management, and the importance of having a solid financial strategy. They emphasize the need for clients to understand the true costs associated with their investments and how to navigate the overwhelming amount...

In this episode of The Real Retirees of New Jersey, Randy & Peggy Fisher discuss the complexities of retirement planning, emphasizing that there is no one-size-fits-all solution. They address common misconceptions about retirement savings, the impact of market fluctuations, and the importance of understanding individual needs. The conversation also touches on the effects of inflation, the timi...

This week, Randy & Peggy Fisher discuss the importance of financial advisors, the misconceptions surrounding their profession, and the critical role trust plays in financial planning. They share a real-life case study of clients Carol and Dave, illustrating the impact of proper financial planning and the dangers of relying solely on outdated rules like the 4% withdrawal rule. The conversation...