Your Retirement with David Meche

What if your retirement savings comes with a tax bill bigger than you expected? In this episode of Your Retirement with David Meche , David breaks down required minimum distributions (RMDs): what they are, when they start, and why they can create unexpected tax challenges later in life. He explores how years of tax deferral can turn into large forced withdrawals, potentially impacting income, Medi...

What happens to your retirement plan when you suddenly have to manage it alone? In this episode of Your Retirement with David Meche , David explores the reality that many women will spend decades navigating retirement on their own, and why preparation is critical. He discusses how caregiving years, longer life expectancy, and loss of a spouse can impact income, Social Security, and financial indep...

Long‑term care is one of the most overlooked—and emotionally complicated—risks in retirement planning. In this episode of Your Retirement with David Meche , David explores what long‑term care really looks like today, why many families are caught off guard, and how misconceptions about Medicare and aging can create unexpected financial and emotional strain. Drawing from real‑life experi...

Inflation may sound like a headline issue, but for retirees it quietly shapes everyday decisions long after the news cycle moves on. In this episode of Your Retirement with David Meche , David unpacks what inflation really means for those nearing or living in retirement. He discusses why inflation feels different once paychecks stop, how rising costs—especially healthcare—can reshape l...

Money conversations can feel awkward but avoiding them can leave couples unprepared when life changes. In this episode, David Meche explores the financial conversations every couple should be having, especially as retirement approaches. Using relatable examples and real‑world experience, the discussion covers shared decision‑making, understanding accounts and risk tolerance, planning for income ch...

Tax season has a way of exposing the details most people wish they’d caught sooner. In this episode, David Meche breaks down a practical tax‑season checklist and explains why filing taxes and actively planning for them are two very different things. The conversation explores how overlooked income sources, retirement accounts, Social Security, Medicare, and required distributions can quietly...

Annuities are selling at record levels—yet most people can’t explain what they actually are. In this episode of Your Retirement , David Meche tackles the confusion, misconceptions, and “bad rap” surrounding annuities and why they remain one of the most misunderstood tools in retirement planning. The discussion explores why annuities feel complex, when they may or may not fi...

One wrong move near the finish line can undo years of progress — and retirement works the same way. In this episode, David Meche uses the high‑speed world of Olympic downhill skiing as a powerful analogy for the retirement “decumulation” phase, where risk, timing, and income decisions matter most. The conversation explores why strategies that worked during your working years may...

What if your entire retirement plan depended on a single source of income – would it be enough to protect you? In this episode, David Meche explains why relying on only one “faucet” in retirement can leave you vulnerable, and how building multiple income streams can help you stay financially steady no matter what life brings. From Social Security timing to predictable income plan...

What if the money you feel safest holding is actually the money holding you back? In this episode, David Meche breaks down the concept of “dead money” — funds that look secure on the surface but quietly lose value, limit growth, and erode long‑term financial confidence. David explains where dead money typically hides, why inflation makes idle cash more costly than people realize,...

What does climbing Mount Everest have in common with retirement? Both require careful planning for the journey down, not just the ascent. In this episode, host David Meche of Meche and Associates discusses why reaching your savings goal is only half the battle—and how a solid income plan, emergency fund, and growth strategy can help you navigate the risks of retirement. David shares actionab...

What do alien visitors and retirement planning have in common? Both remind us that the future is full of unknowns. In this episode, host David Meche, president of Meche and Associates, explores how to prepare for surprises in retirement—whether it’s market volatility, recessions, inflation, or changing tax laws. David shares practical strategies for balancing risk, diversifying income,...

Shohei Otani’s headline-making contract isn’t just a sports story—it’s a lesson in financial strategy. In this episode, David Meche explains how deferred payments, like Otani’s, can inspire smarter retirement planning for everyday people. Discover how annuities and income deferral can help retirees manage risk, create predictable income, and address the fear of outliv...

Turning 73 means Uncle Sam comes calling for your retirement savings—are you ready for required minimum distributions (RMDs)? In this episode, financial expert David Meche breaks down the do’s and don’ts of RMDs, revealing why timing and strategy matter more than most retirees realize. Discover how pulling funds in equal installments can protect your nest egg, why tax planning is...

Did you know there are over 500 ways to claim Social Security? In this episode, David Meche unpacks the maze of retirement income options and reveals how faith, family, and purpose guide his approach to financial well-being. Whether you’re planning ahead or already retired, discover why Social Security isn’t one-size-fits-all, how to weigh health and family priorities, and what to do a...

Are you following retirement advice that’s past its expiration date? In this episode, David Meche reveals why classic rules like the 4% rule and “debt-free by retirement” may not fit today’s realities. Guided by faith, family, and purpose, David shares how to refresh your retirement strategy with guaranteed income, personalized planning, and up-to-date solutions. Learn why...

What if a single health event could change your entire retirement plan? In this episode, David Meche shares personal stories and expert advice on preparing for healthcare costs in retirement, from long-term care to building income streams that last. Discover why planning for medical expenses is essential, how family dynamics impact care, and what steps you can take to prepare for your financial fu...

Ready to keep more of what you’ve earned? This episode dives into smart, actionable tax strategies for Q4, including Roth conversions, maximizing retirement contributions, and capital gains planning. Host and financial coach David Mesh breaks down what you need to know before year-end, from avoiding last-minute tax surprises to making the most of current laws. Whether you’re neari...

Kevin Blanchard discusses that magic number prospective retirees what to know: how much they need to retire and not go broke. Kevin shares the factors that go into knowing this number and why accounting for inflation is crucial. Kevin also talks about the modeling software that Meche and Associates uses that draws on decades of market history and that takes complicated factors and puts them into s...

Kevin Blanchard discusses an oft-overlooked task of retirement – the required minimum distribution. Kevin shares at what age most people have to start drawing off of certain retirement accounts, to which counts this rule applies, and how the IRS determines what people owe. Kevin also reveals how there are so many different tax strategies in dealing with RMDs and why an advisor can help. And...

David Meche discusses the inauguration of Donald Trump and what it could mean for the "Trump Tax Cuts" that are to sunset at the end of the year. Speaking of taxes, what deadlines are coming up that you need to know about before April 15th? David and Kevin also discuss the new buzz word, microretirement. Is this something that could be beneficial for retirees and how does David see it affecting hi...

Kevin Blanchard talks about Valentine's Day and ways to cut costs for the big date night. Are there lessons about how to cut costs when it comes to retirement and your retirement plans? Plus, a common strategy is the 4% rule. There have been some changes to that thought process, and Kevin talks about the best ways to implement that "rule" when it comes to your portfolio. Ready to connect with Davi...

Kevin Blanchard takes you through everything retirement planning. When a decision is made when it comes to estate planning, Kevin tells you why it's a good idea to make sure that the entire family is on the same page and is aware of what is coming. Even if it's a difficult conversation to have. He also touches on questions you should be asking your financial advisor and what might be some signs it...

David Meche discusses the current state of the stock market, emphasizing a cautious approach to investing as we move into 2025. They highlight the importance of having a solid retirement plan that balances risk and accumulation, especially as individuals transition from saving to drawing from their retirement funds. Finally, Juan Soto's massive contract serves as a warning when it comes to taxes....

David Meche discusses the inauguration of Donald Trump and what it could mean for the "Trump Tax Cuts" that are to sunset at the end of the year. Speaking of taxes, what deadlines are coming up that you need to know about before April 15th? David and Kevin also discuss the new buzz word, microretirement. Is this something that could be beneficial for retirees and how does David see it affecting hi...