The Red Zone Retirement Program

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Over the past year, one retirement video on YouTube pulled in 3.7 million views. The title: "Sell These 5 Things Before You Retire." We thought it was worth a conversation, not to tear it apart, but to react honestly. Does John agree? Let's get into it: 3.7 million people watched this video for a reaso...

SpaceX. OpenAI. These and other names have been dominating the headlines. The IPO market is heating up, and clients are asking questions. Today we're keeping it simple. What do retirees and pre-retirees need to understand about IPOs before they get caught up in the excitement? Here's some of what we discuss in this episode: 🚀 IPO Basics – Understanding how companies go public 💰 Why Companies IPO...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Nobody likes talking about death, insurance, or estate planning, but avoiding those conversations can create even bigger problems later. John discusses why protecting the people and things you care about most goes far beyond just investing and retirement accounts. Having a clear plan in place can make...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   John pulls back the curtain on what it actually looks like to build a long-term relationship with a financial advisor. He walks through the process from the first conversation to creating an evolving retirement strategy built around your goals, values, and concerns. Tune in for a practical look at how...

We got a great question from a listener: "My investments didn't do as well in the last 12 months as the overall market has done. Should I be re-evaluating my advisor based on this lack of performance?" It's a question a lot of people ask at some point in their investing lives, and John breaks down the answer today. Turns out, if your portfolio is doing what it was designed to do, that's the scorec...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   In honor of National Volunteer Week (April 19-25), let's talk about why volunteering is an important part of life, especially in retirement. Retirement isn't just about stepping away from work. It's an opportunity to step toward the things you've always cared about, with more time and freedom than you'...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   AI headlines are everywhere right now, mostly bold predictions about how artificial intelligence will reshape the economy. Instead of reacting to the noise, John steps back and looks at what the data actually suggests about AI and the workforce. He also walks through the top questions people in their 5...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Nobody likes tax season. But for new retirees, it can come with a few unwelcome surprises. The rules have changed, the income sources have shifted, and strategies that made sense during your working years may no longer apply. Today, John looks at some of the biggest tax mistakes retirees make as discus...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Selling a business is one of the biggest financial decisions you'll ever make. It's not just about finding a buyer, it's about structuring the deal correctly, minimizing taxes, and making sure the sale supports your next chapter of life. John coaches us through major considerations business owners need...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Inheriting a home can feel like a blessing, until the tax questions start piling up. John walks through the playbook for handling inherited property the smart way. This big financial decision deserves careful thought and consideration, not quick reactions. When it comes to inherited real estate, you do...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   John tackles a listener question that feels like a red-zone moment: trade $600 a month now or protect your spouse for life. Using real-world examples and a coach's perspective, John breaks down the tradeoffs, risks, and emotional weight behind pension elections. When the stakes are this high, understan...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   What's new in 2026 for retirees & pre-retirees? John covers several updates that could quietly impact your cash flow, taxes, and savings strategy. A quick review now can help make sure changes in 2026 work with your plan, not against it. Discover actionable reminders and why your next steps matter more...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Join John as he wraps up the year and answers some of the biggest questions on listeners' minds. This episode dives into real-world financial concerns, practical strategies, and tips to help you keep your retirement game plan on track. John cuts through the noise with straightforward answers that help...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Celebrate our 100th episode as John tackles the ever-important topic of Social Security and retirement planning. In this milestone show, we discuss key considerations for deciding when to claim Social Security benefits and the common mistakes to avoid. Tune in for expert insights and practical advice t...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   You've heard the saying, "There's no such thing as a bad question." But in retirement planning,   some questions are definitely better than others. The way you frame a question often determines the quality of the answer, and sometimes the quality of your entire retirement. Today, John goes through some...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   In football, every great play starts with a solid game plan, and generosity works the same way. Giving feels good, but giving wisely wins championships. Today, John breaks down the playbook for smart, purposeful generosity and shows you how to make every dollar count. Because when it comes to giving, i...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Fidelity just released their 2025 Retiree Health Care Cost Estimate. The number is staggering: $172,500 for a 65-year-old retiring today. The bigger problem? One in five Americans hasn't even thought about health care costs in retirement. Today, John breaks down exactly what this means, why it matters,...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Retirement isn't just about saving money—it's about strategically planning your withdrawals. In this episode of Red Zone Retirement, we'll take you through our annual "strategic and tactical" fall meetings, showing how smart planning now can prevent massive surprises later. Here's some of what we discu...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   In this episode, John steps onto the field and reacts to unfiltered takes from viewers, everything from taking Social Security at 62 to the hidden penalty of healthcare costs before Medicare kicks in. These "back of the napkin" plays may look good in the huddle, but we'll break down where the blocking...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Think Medicare is free once you hit 65? Not quite. If your income's too high, there's a hidden surcharge that can quietly shrink your Social Security check by thousands a year. It's called IRMAA. And most people don't see it coming. Let's break down who's impacted and how to avoid it. Here's some of wh...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   In football, one bad play doesn't decide the outcome. A fumble, interception, or blown coverage can rattle a team, but the best players stay calm, adjust, and keep running their game plan. The same lesson applies to your finances. In this episode, John uses football stories from the field to show how t...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   When it comes to retirement, the toughest calls aren't always about the market — they're about your life. In this episode, John takes a break from the playbook to field real questions straight from the audience mailbag. Big choices about where to live, how to invest, and when to start Social Security c...

🏈 Don't fumble your retirement - get your financial game plan at http://bookachatwithjohn.net   Retirement planning isn't about flashy plays- it's about fundamentals.   In this episode, John breaks down the "3 Factor Model," an investment strategy backed by decades of academic research. He explains how focusing on market exposure, small-cap stocks, and value companies can give investors a subtle...

Big tax law changes always bring big rumors. But before you assume Social Security is now tax-free or that you're getting a $40K deduction just for breathing, let's set the record straight on what's really changing. If you've been hearing wild claims about tax-free retirement or giant write-offs, this conversation may just be the reality check you need. Here's some of what we discuss in this episo...

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, John tackles the pros, cons, and misconceptions surrounding target-date funds. We'll break down how they work, why they're so popular, and...