David Lukas - Podcast Details

Shows

The David Lukas ShowFive Things You Must Know About Before Claiming Social SecurityIt’s what you don’t know that could cost you a fortune in Social Security (SS) benefits. If you’re not careful, your retirement might be a fraction of what it could be and there’s nothing you can do about it. Currently, there are thousands of rules, and even more on the way, so being proactive in your planning couldn’t be important enough. Essentially, if you play your cards right, you can not only have tax-free income but you can also owe ZERO TAXES on what you collect. This week on the David Lukas...2018-09-2248 min

The David Lukas ShowWhat Happens To Your Nest Egg If You Retire During A Bear Market Or Correction?The last bull market ended with a devastating crash in what is now called The Great Recession and Americans lost 10.2 trillion dollars in wealth. The current bull market seems to be unstoppable. Be assured, it will. When it does, how will your retirement funds fare? Will you be protected? Nobody knows when the market’s going to reverse course. But if you’re retired or any where close to retiring, it’s critical to protect yourself before it’s too late. This week on the David Lukas Show, our host David Lukas of Da...2018-09-1548 min

The David Lukas ShowREVEALED: Why Diversifying Your Retirement Portfolio Is So ImportantIn recent news, the Wall Street Marketwatch and Investment News reported that “Medicare’s trust fund will be exhausted in 2026...Social Security taps into trust fund for the first time in thirty years… and that Stock Market returns over the next decade will be well below historical norms.” With all these negative projections, it’s hard to know what is real and what is speculation. Unfortunately, math doesn’t lie. According to the program’s trustees, “the adverse costs of the changes happening within Medicare and hospital insurance fund spending are anticipated to be greater than la...2018-09-0848 min

The David Lukas ShowAccording to the latest headline from Marketwatch.com, more than 40% of Americans are at risk of going BROKE in retirement...Forty percent of Americans are at risk of going BROKE in retirement. Why is that? The biggest culprit will be their failure in turning their retirement and savings funds into guaranteed income earning workhorses for their golden years. Consequently, where so many retirees have diligently prepared for retirement, so few have an actual gameplan to see them safely through. No doubt, they’ve worked hard, saved and sacrificed as much as any to leave their nine-to-five (or, for most, eight-to-six) for something much, much better. But ultimately, in the end, what most need to be worried about is...2018-09-0148 min

The David Lukas ShowFive Critical Steps YOU MUST Take NOW Before You Can Even Think About RetiringAre you considering retirement within the next five years? If so, you already know that the clock is ticking. Hopefully, you’re on the right track and planning as you should. Unfortunately, what so many soon-to-be retirees aren’t planning is all the careful calculating and financial preparation it takes to retire strategically. This week on the David Lukas Show, our host David of David Lukas Financial talks about how too many people are risking more than they should or are comfortable with. Throughout the hour explains how following the five critical steps, listed below, can help safe...2018-08-2548 min

The David Lukas ShowBeware The Costs Of Healthcare After RetirementDid you know that the total out of pocket spending for the average Sixty Five year old couple for healthcare in retirement could now surpass $400,000 when you factor in both Medicare and supplemental insurance premiums, copays, and deductibles? Sounds crazy, right? What’s even crazier is that’s just the “average couple.” Unfortunately, that amount doesn’t account for any particular health issues that may already exist or, for that matter, any issues that may occur in the future. Simply saving for healthcare is a great start but it’s what you do with that money that really makes a difference...2018-08-1848 min

The David Lukas ShowStatistics Say Baby Boomers May Go Bust! Could That Be You?Baby Boomers are said to inherit 11.6 trillion dollars from the world's greatest generation. That being said, it’s also been reported that one in three people who receive an inheritance will go broke in two years or less. What many of these hopeful inheritors aren’t anticipating is how much of a game changer an unexpected windfall of cash can be, when it comes to both planning and funding their retirement. In fact, most inheritors don’t understand that when they do receive a substantial inheritance, that’s when the hard work begins. In other words, planning what to do with t...2018-08-1148 min

The David Lukas ShowThe Five Most Common Ways You Can Crater Your 401kToo many unknowing Americans are putting too much of their retirement hopes, dreams, and funds right into the government’s clutches. One simple misstep could cost them thousands. The key is to plan well in advance before withdrawing. According to Forbes, “some taxpayers over seventy-and-a-half can find themselves subject to a fifty five percent marginal income tax rate due to a combination of RMD income, social security benefits, and capital gains.” This week, on the David Lukas Show, David discusses just how important it is to know exactly what your 401k(s) will and won’t be doing...2018-08-0448 min

The David Lukas ShowAre You Financially Prepared to Care For an Aging Spouse or Parent?If you were instantly financially responsible for your aging spouse’s or parent‘s healthcare, would you be prepared to do so? The cost of Long-Term Care (LTC) is rising fast and so are the premiums. In some unfortunate cases, LTC premium prices have doubled in the last two years prompting some policy holders to make difficult decisions when it comes to out of pocket payouts for coverage. Recent statistics state that “a private room in a nursing home now costs consumers more than $8,000 a month. That’s an increase of 5.5% from just a year ago.” A recent Investment News artic...2018-07-2148 min

The David Lukas ShowSeven Investments Risks That Could Derail Your RetirementEveryday you’re being force-fed investment advice from all directions. Advice— good or bad—that if taken or not completely understood could derail your entire retirement. So when it comes to tips and advice on retirement planning how do you know what’s right and what’s wrong? How can you be certain that the plan you’ve put in place is what’s best for your financial future? This week on the David Lukas Show, our host David Lukas talks about seven specific assumptions concerning your retirement and how, if taken for granted or misunderstood, they can not only c...2018-07-1448 min

The David Lukas ShowSolid Strategies To Save On TaxesIgnoring the importance of tax diversification will turn your taxes into a timebomb—after retirement— if you don’t plan properly. Sadly, what many retirees don’t know is that there is a big difference between tax planning and tax preparation. Instead, americans do the same thing every year...after year...after year. They pay the maximum in taxes when they don’t have to. This week on the David Lukas Show, David talks about David Walker (a former Comptroller General...basically the CPA of the Fed, head of the Government Accountability Office under Bush and Clinton) and his kn...2018-07-0748 min

The David Lukas ShowSurprising Things You May Not Know About Claiming Social SecurityWhen it comes to claiming your Social Security (SS) benefits, it’s important to know all the facts. There are many rules and details most soon to be retirees don't know until the wrong decisions have been made and it’s already too late. And because we get misinformation from unreliable resources it’s time to get the facts straight. This week on the David Lukas Show, David talks about important and surprising things you may not know about claiming your Social Security benefits— after retirement. Throughout the hour, David discusses many of the preconceived ideas soon-to-be retirees...2018-06-2346 min

The David Lukas ShowRetiring In A Bear Market Is Riskier Than You Think!The Market’s been up for a long time. Too long—many experts say— and we’re undoubtedly due for a major correction very soon. If that correction happened today and the current Bull Market entered into Bear Market, would your retirement funds be safe or at risk? Today on the David Lukas Show, our host David, of David Lukas Financial, talks about what could happens should we enter into a much predicted and historically overdue Bear Market. Throughout the hour, David discusses the devastating impact a correction could make on your nest egg and how, if you’re no...2018-04-2848 min

The David Lukas ShowFive Things You MUST KNOW About Your IRA And 401KFor many, the company offered 401K or traditional IRA is what’s there and waiting for them after retirement. What these hopeful retirees aren’t expecting is the huge tax tumor buried within. With the tax rate destined to climb in the near future, there’s so much more at risk than you think. But what if you didn’t have to worry? What if you set yourself up with a WorryFree Retirement®. On today’s show, our host David Lukas of David Lukas Financial talks about what you need to know about government qualified plans after retirement...2018-03-3148 min

The David Lukas ShowRisk Tolerance and Risk Capacity: What’s the Difference?When it comes to the amount of risk your retirement portfolio is under, less is better. But when you’re continuously sold the idea that risk is necessary to achieve the gains you want what’s a Saver to do? First, you have to know your risk tolerance. (Risk tolerance is the grade of variability in investment returns that an investor is willing to withstand or lose.) Second, your risk capacity needs to be measured. (Risk capacity is an objective measurement of the amount of risk you need to take in order to meet your established financial goals. Risk capa...2018-03-1748 min

The David Lukas ShowWorld Finance, Now More Dangerous Than EVER!Wall Street took quite a ride the first week of February dropping to an alarming 4.6%—losing trillions of dollars in market value in a matter of days. So what do you do now to protect your retirement money and investments? Is the party finally over for the longest running Bull Market in history? Who knows. If it is, are you willing to take the RISK? Today, on the David Lukas show, David talks about the recent turbulence investors inevitably experienced during the recent market drop. Throughout the hour David offers the kind of sound and pra...2018-02-2448 min

The David Lukas ShowWhat You Need To Know About Required Minimum Distributions: RMDsSaving for retirement isn’t easy. It takes a career’s worth of time and dedication to accumulate the kind of money most people need to retire WorryFree®. What a lot of planning retirees aren’t accounting for is the possibility of losing more than half of their money due to the penalties, taxes and fees associated with Required Minimum Distributions (RMDs). This week on the David Lukas Show, David talks about how underestimating and inadequately planning for RMDs can ruin any carefully planned retirement. Throughout the hour, David talks about: What accounts are subject to RMDs Wha...2018-02-1748 min

The David Lukas ShowWhat’s Money Got To Do With It?When you’re married, saving for retirement is a joint effort. If you’re not sharing in this effort you should be. Common ground needs to be found and communication should always be open about your financial expectations in life now and the impending future. If you and your spouse aren't’ talking about these things now you need to. This week on the David Lukas Show, David talks about how to get on the same page as your spouse in planning your retirement. Throughout the hour David talks about all the ways you and your spouse can talk a...2018-02-1048 min

The David Lukas ShowDon’t Get Mad About Taxes. Get Smart!Are you needlessly shelling out thousands of dollars in taxes when you could be keeping more of the money for yourself? Are you tired of hearing about how the wealthy are paying less to the IRS while you’re paying more? The IRS estimates that 20% of Americans miss out on up to $6,000 worth of tax breaks every year. Business owners are missing out as well. Not because they don’t want the break but it’s because they don’t know how to file. This week on the David Lukas Show, our host talks about how impo...2018-02-0248 min

The David Lukas ShowThe Five Crippling Fees/Penalties That Could Blindside You In RetirementIf you’re a Saver, saving and investing for retirement has been the easy part. In fact, it’s second nature. But when it comes to knowing what fees and penalties you’ll pay if you don’t set everything up correctly when you’re set to collect or even access your own money many haven't a clue. This week on the David Lukas Show, David talks about all the ways you can be penalized when accessing your money too early or too late of your retirement date or age. Throughout the hour he expands upon each of the topi...2018-01-2048 min

The David Lukas ShowNine Overlooked Risks That Could Blindsight You In RetirementLife is full of risks. Retirement doesn’t have to be. Too many future retirees don’t know that it’s the least considered risks that are the most damaging in retirement. Especially, when the risks involve funds you’ve spent your entire career saving. This week, on the David Lukas Show, David talks about the risks involved with NOT PLANNING your retirement income gameplan correctly and what you can do to safeguard your family and your retirement portfolio against some common pitfalls Americans experience every year. The nine overlooked risks in retireme...2017-12-0948 min

The David Lukas ShowYear End Financial Tips That Could Save You ThousandsAs the end of the year nears, it’s time to start thinking about taxes...again. Contrary to many beliefs, there are steps retirees can take to save more money by paying less in taxes and fees on retirement accounts. Having a solid retirement plan and implementing tax strategies can truly be the difference between worry in retirement and a WorryFree Retirement®. This week on the David Lukas Show, David speaks candidly about retirement, taxes, and all the ways you can save by implementing the tools needed to retire in confidence. Throughout the hour, David give...2017-12-0248 min

The David Lukas ShowSocial Security, Today’s Pension PlanGone are the days of grandad’s or grandma’s pension. What use to be a comforting contract between employers and employees for life after work, has now—in most cases—become a less than successful plan for retirement. That’s where Social Security (SS) comes in. Yes, SS exists to supplement income after retiring, but if the plan for collecting isn’t setup correctly thousands of your hard earned retirement dollars could be lost. This week on the David Lukas Show, Little Rock’s own David Lukas discusses the top 10 most frequently asked questions about Social Se...2017-11-2548 min

The David Lukas ShowSurprising Investing Lessons Learned From The Financial Crisis Of 2008Do you remember what started the financial crisis of 2008? Did you foresee what would eventually happen to the stock and housing market? Do you remember how much you—everyone you know lost? If a major market correction were to happen again, soon, are you protected? The early 2000s were a time of prosperity. In a seemingly unstoppable economy millions of Americans were reaping the rewards of a stock market that had never performed better. Little did they know that soon 18.9 trillion dollars in household wealth would be lost. Never had they imagined that close to eight million pe...2017-11-1848 min

The David Lukas ShowThe Complete Checklist You Need To Plan Your RetirementImagine how much easier retirement would be if there was a checklist to help you plan for every possible money draining scenario that could be thrown your way? How valuable would that be to you, your family...your future? This week on the David Lukas Show, our host David Lukas of David Lukas Financial gives current and soon-to-be retirees a list of information that is crucial to planning for retirement responsibly. Throughout the hour, David educates his listeners on the essential items needed to live comfortably in retirement. After all, it’s not what...2017-11-1248 min

The David Lukas ShowThe ABCs of RMDsRetirement is meant to be the period of calm after the rocky road of years of career(s) and earning. The actual act of retiring used to be fairly simple, back in the day. But now, future retirees NEED to know a multitude of things and require a specific gameplan to retire right—without penalty and most importantly WorryFree®. This week on the David Lukas Show, our host David Lukas gives us listeners the ABCs of RMDs. Throughout the hour David explains what RMDs (Required Minimum Distributions) specifically are and why they are import...2017-11-0445 min

The David Lukas ShowHow You Can Avoid The Five Critical Mistakes People Make In RetiringYou only get one chance at retiring. Whether you like it or not, you are indeed in the game of finance. The real trick is to play it smart so that you can enjoy retirement instead of spending your time worrying. After spending most of your life working the last thing you want is to be full of life but potentially flat broke. This week on the David Lukas Show, our host David Lukas talks about the five most common critical mistakes people make before and at the life changing event of retirement. ...2017-10-1848 min

The David Lukas ShowInsuring Your Retirement Stays The CourseWhen it comes to safeguarding your hard earned retirement funds, risk is your enemy. Honestly there isn’t much worse than the possibility of losing thirty to forty percent of your stock market investments in an aggressive downturn or market correction. Most of us can’t afford that kind of loss close to or during retirement. So how are you able to keep on course in to ensure that your funds are what and where you want them to be and that they’re protected? This week on the David Lukas Show, our...2017-09-1648 min

The David Lukas ShowBad Investments Are Never GoodBecause they don’t know any better, most americans are take their investments and social security benefits at face value, ultimately missing out on thousands of extra dollars earned in the second and third halves of life into retirement. Because you only get one chance at retirement best defense against financial disaster is an informed mind and a sound plan for the future. This week, on the David Lukas Show, our host David addresses many of the common mistakes that people are making in planning— or better yet in the lack of planning— their retirement. Througho...2017-09-0948 min

The David Lukas ShowNine Common Social Security Assumptions That Could Cost You.With no real help from the SS Administration itself, it’s hard to know what steps are necessary to take in maximizing your Social Security benefits. In fact, so many retirees assume that the process is easy. Unfortunately, it isn’t. This week on the David Lukas Show, David talks about the many common assumptions people make or have already made about claiming Social Security. Throughout the hour, David talks through the 9 most common presumptions (listed below) that can impact your retirement and what you can do to prepare. Believing that Social Securi...2017-09-0248 min

The David Lukas ShowGenerating Income, After RetirementDid you know that your ability to turn savings and investments into income could completely dictate the quality of your lifestyle in retirement. In fact, the ability to earn a living without having to actually keep working could mean the difference between doing everything you’ve ever dreamed of or burning through your life savings entirely too soon. This week, on the David Lukas Show, David explains how you can turn your savings and investments into income earning workhorses. Throughout the hour David mentions the popular savings and investment vehicles commonly used by potential retirees (ban...2017-08-1947 min

The David Lukas ShowInvesting: Five Things You Can ControlMany times, when it comes to investing, we tend to focus on the things we can’t control other than being proactive about what we can control. Human nature takes over and while it takes great amounts of time and energy to stress about the unpredictability of the stock market, the crippling price of healthcare, taxes, fees and rising costs of everyday living there are steps you can take to help you and your family live more and worry less. This week on the David Lukas Show, David talks about five ways Savers can take con...2017-08-1247 min

The David Lukas ShowRates Matter Less Than Risk In RetirementWe’ve all experienced the adage that “past performance is no true indication of future results.” Back in March of 2009 the market bottomed out and then it came roaring back setting record after record. But even with all this gain, many have lost thousands of dollars each year because they didn’t plan for their specific needs or they were taking more risk than they were comfortable with. So the question is, if you’re invested in the market, what do you do now? How much risk do you have to take? This week, on The David L...2017-08-0547 min

The David Lukas ShowEight Habits of Successful RetireesSaving for retirement alone, just isn’t enough anymore. In today’s financial environment one must have a secure distinct plan to retire successfully. Because it isn’t what is happening, currently, but what happens in a down market that can have a profound effect over your savings for the next decade. This week on the David Lukas Show, David talks in depth about the common habits that prudent savers and successful retirees share in planning for retirement. These eight habits of successful retirees are: 1. Comprising a thoughtful and comprehensive game plan 2. Understanding of “risk tol...2017-07-3048 min

The David Lukas ShowDoes Your 401(k) Need A Reboot?Currently, fifty two million Americans have 4.4 trillion dollars socked away in their 401(k) savings accounts. Right now, in our current up market, everyone’s probably pretty happy with their performance. But what would happen to your 401(k), specifically, if the market took a turn for the worst? Do you know how much of your money is at risk? Are you willing to lose up to half of it? Did you know that ignoring your 401(k) could cost you a fortune? This week on the David Lukas Show, David tackles the subject of security in your 401(k...2017-07-1548 min

The David Lukas ShowWhat’s Sacrifice Saving You?Are you being punished or financially penalized for being a Saver and planning responsibly for your future? Are you currently paying more in taxes than others that you know who haven’t planned at all? If you answered yes to either of these questions, you are not alone. This week on the David Lukas Show, our host David addresses how those of you who have saved diligently and sacrificed much throughout the years of your careers are now being penalized in retirement. Throughout the hour, David discusses how Savers can protect them...2017-07-0148 min

The David Lukas ShowSetting The Record Straight On Toxic Investing / Retirement MythsMany of the notions you may have about retirement, could get you into serious financial trouble. Are you prepared if taxes go up? How much will it cost you to pull money from your 401k or IRA? Does your current strategy align with your risk tolerance? This week on the David Lukas Show, David talks about recurring myths about retirement. Throughout the hour, David demystifies each misnomer and expands upon how you can prepare for many of the common pitfalls in retirement. Claiming SS as soon as possible is the way to go: Many soon to be retirees...2017-06-1047 min

The David Lukas ShowCash Doesn’t Equal SecurityAre you hard wired for risk or for security? Does taking chances in the stock market and potentially suffering a crippling financial hit, like millions of Americans did back in 2008, keep you awake at night? This week on the David Lukas Show, our host David talks about all the different types of financial products that are safer than many popular products being sold right now. Throughout the hour, David speaks openly and honestly about the truths—and more importantly non-truths about Annuities and why Insurance Contracts may just be what a Saver is looking for as an alte...2017-06-0849 min

The David Lukas ShowStatistics say, this could happen to you…Just when you think you’ve got things figured out, life can throw you one heck of a curveball. In the blink of an eye, your financial future can change for the worst. For those of us who have a financial game plan, things may be less traumatic. For those of us who don’t, the transition could lead to financial ruin. This week on the David Lukas Show, David talks about all the reasons people might have for an early retirement. Whether you’re being downsized from your job, you have to quit working for health reason...2017-05-2048 min

The David Lukas ShowChanges to Social Security for 2017 Change is the law of life. And those who look only to the past or present are sure to miss out in the future. —John F. Kennedy Much can be said about the need for change. Change paves the road for the future. So what happens when we don’t plan appropriately for change—financially. Well, many times disappointment. Sometimes, disaster. This week on the David Lukas Show, David talks about all the recent amendments made within Social Security and how important it is for retirees and soon-to-be retirees to know the sp...2017-05-0648 min

The David Lukas ShowIs Any Upside In The Market... Worth The Downside Risk?Back in 2008, when the Dow hit a 12 year low Americans lost trillions of dollars in wealth. Such an immediate loss was a painful punch in the gut for every American invested in the stock market. Many lost everything they had in their retirement accounts. Many have yet to and or never recovered from their loss. Fast forward to today— Americans are now experiencing the euphoria of second longest bull market in existence and many are anticipating the inevitable turn down. This week on the David Lukas Show, David talks about how risk weighs differently on different financial pe...2017-04-2948 min

The David Lukas ShowTaxes After RetirementAt this time of year, taxes are what’s on everybody’s mind. And rightly so for current and future retirees because taxes don’t just magically stop after work. In fact, taxes may become much more complicated and involved than they were when you were working. In a time when they should be relaxing what are retirees to do when the stress of taxes takes over? This week on the David Lukas Show, our host David talks about how important it is to plan for taxes in retirement and what current retirees can do to safeguard their...2017-04-1548 min

The David Lukas ShowAnother Black Eye For Social Security: why you need to take matters into your own handsSince you’ve been working, a percentage of your earnings have been going to social security. Unfortunately, during the process, many people have found the claiming and filing process increasingly complicated and difficult to navigate due the the thousands of possible claiming options. So what’s a retiree/ soon to be retiree to do when people feel the frustration of a seemingly bureaucratic rules and regulations? This week on the David Lukas Show, David brings to light many of the unatractive attributes abouting the filing process and what you can do to avoid the catches and pitfalls with...2017-04-0849 min

The David Lukas ShowOverpaying Taxes: The Biggest Mistake Retirees MakeOne of the biggest and most expensive mistakes retirees make, is overpaying taxes. Thousands of people are overpaying because of lack of planning for retirement and when to file for Social Security benefits. This week on the David Lukas Show, David talks about how retirees are wasting thousands upon thousands of thousands of dollars on overpaying taxes. Because while many financial services clients are focused on fees, expenses and returns on investments, they are ignoring the tax tumors that are building in their government sanctioned retirement accounts. Throughout the hour David explains what the many tr...2017-04-0149 min

The David Lukas ShowWhat Women Need to Know About Retirement...In a society where women tend to live longer than men, knowing how to best plan for longevity in retirement is becoming increasingly more important. In fact, because so many women are outliving their spouses, they’re contending with the issue of running out of money. This week on the David Lukas Show, David talks about how, more commonly than not, wives are outliving their husbands and what women can do to NOW to safeguard themselves against possible future financial disaster. Topics discussed: The likelihood of a long retirement How women need long term ca...2017-03-2548 min

The David Lukas ShowInflation: The Silent Killer of Your RetirementWe live in a dollar dominated society. What we get, for how much, is one hundred percent dependant on the rate of inflation. What does inflation mean to you in retirement? What will it? Nationally the Annual Inflation Rate (AIR) has stayed at around 1.7 percent a year, but just last month the US experienced a larger than normal 0.6 percent jump in the Consumer Price Index, causing the AIR to rise to 2.5 percent—a five-year high. This week on the David Lukas Show, David talks about what the negative effects of inflation can do to retirees and what re...2017-03-1849 min

The David Lukas ShowAre You In The Business Of Risk?If you look at what happened with the stock market, over the last eight years, you could venture to say that it’s been quite a ride! The Market bottomed out in early March 2009 and then it came roaring back setting record after record. In January of this year, the Dow Jones Industrial reached an all time high. So the question is, if you’re invested into the market, what do you do now? Do you stay? If you aren’t currently vested, is it time to jump in? What’s a Saver to do? This wee...2017-03-0448 min

The David Lukas ShowThe Five Most Common Retirement Assumptions That Could Cost You…Everyday retirees are making assumptions that are or could be costing them thousands of dollars in unnecessary fees and market losses. In fact, too many retirees assume entirely too much when it comes to their retirement savings and accounts. If there were guaranteed ways to save on those costs, when would you want to know about it? Right now? If so, then you’re in luck because the assumptions stop today! This week on The David Lukas Show, our host David discusses the top five assumptions that people make in retirement that could be costing them hundreds to...2017-02-1848 min

The David Lukas ShowLongevity and Liquidity in RetirementHow long are you planning to live on God’s green earth? Don’t know? None of us do. But there’s one thing that you should know: healthy living does not guarantee a long life, just as hoping your retirement plan will benefit you, without implementing the proper planning it takes to ensure it. On this week’s installment of the David Lukas Show, David talks about how important longevity planning is to your financial future. In fact, many Americans fear outliving their retirement savings and in today’s economy it’s not irrational. Throughout t...2017-01-2148 min

The David Lukas ShowMore Uncertainty in 2017: How To Protect Yourself NO MATTER WHATLast year, the stock market saw its worst opening week for a new year EVER. In a series of unbelievable events—Brexit, some of the lowest interest rates in history, the election of Donald Trump, terrorist attacks...—2016 was surprising to say the least. So what’s in store for 2017? A new recession? A currency collapse? If something unpredictable happens to our economy, are your retirement savings safe? This week, on the David Lukas Show, David talks about all the unpredictable things that are not in our control financially. Throughout the hour our host talks in detail about the...2017-01-1448 min

The David Lukas Show401k—Yey! What Have You Done For Me Lately?Is following the herd what’s best for you? Do you wake up at night worrying about the hits your 401k may be taking with the Market? This week on the David Lukas Show, our host asks his listeners, “what is your 401k doing for you?” Because when it comes to retirement, most Americans have done little more than the basics. In fact, millions have contributed, monthly, to their 401k, (or as David affectionately calls a tax-postponement plan.) Throughout the hour, David talks about what’s waiting for you when you’re ready or need to collect...2016-12-0348 min

The David Lukas ShowDavid’s Seven Critical Steps to RetirementAccording to a recent study, more than half of Americans age 55 and older don’t have a plan when it comes to money after retirement. That’s right, more than half! But guess what? You don’t have to be one of them! This week, on the David Lukas Show, our host David talks about what steps are crucial to planning a WorryFree® Retirement. Throughout the hour David names and expands upon... The Seven Critical Steps to Retirement: Sign up for Medicare – Eligible at 65 and if you are already signed up to receive SS, then you wi...2016-11-2648 min

The David Lukas ShowAfter Election Jitters?America has spoken and Donald J. Trump is the president elect! So, now what? What does that mean in regards to the economy and your investments with Wall Street? How can/might this affect your life if you are at or near retirement? This week on the David Lukas Show, David first talks about the speculated volatility of our nation’s prosperity, in lieu of the recent election. Throughout the hour David explains all the ways that you can secure your money with David Lukas Financial while working within the WorryFree® Retirement system. Subjects touched upo...2016-11-1248 min

The David Lukas ShowThe Pitfalls of Social Security and What Every Retiree Needs to Know About ThemEvery year thousands of retirees get caught in the pitfall that is collecting Social Security. What many people don’t know is that without knowing how to set it up correctly or when you should have all of your preparations finalized you could be setting yourself up for disaster. On this episode of the David Lukas Show, our informative host talks about all the important things YOU NEED TO KNOW about Social Security. Throughout the hour he educates his faithful listeners on the many common mistakes retirees make and what you can do to avoid them. ...2016-11-0548 min

The David Lukas ShowWhat Required Distribution Amounts Mean To Your Retirement “As we peer into society's future, we -- you and I, and our government -- must avoid the impulse to live only for today, plundering for our own ease and convenience the precious resources of tomorrow. We cannot mortgage the material assets of our grandchildren without risking the loss also of their political and spiritual heritage. We want democracy to survive for all generations to come, not to become the insolvent phantom of tomorrow.” ― Dwight D. Eisenhower This week on the David Lukas Show, David talks about all the caveats the government has made concerning your R...2016-07-2348 min

The David Lukas ShowDoes Your Retirement Specialist Have the Chops?Who’s planning your retirement? Can he or she be trusted? Is that somebody worthy of controlling your future? Does your retirement planner have the education and credentials to ensure that you’ll have income for life, WorryFree®? This week, on the DL Show, our host David Lukas discusses and expands upon what a Retirement Income Specialist (RIS) is and what exactly it is that they do. So WHAT IS an RIS, you ask? A Retirement Income Specialist is a professional that’s been trained to develop and implement comprehensive financial strategies for individuals, businesses, and org...2016-07-1648 min

The David Lukas ShowChat with Tony Walker of the WorryFree Retirement®This week, on the DL Show, our host David Lukas chats with his mentor and partner, in the WorryFree Retirement®, Tony Walker about the final most important player in retirement: Your Retirement Planner. Throughout the hour, David and Tony discuss many of the options available and appealing to Savers in preparing for retirement. Together, they explain and expand upon the concept of planning a retirement that not only makes sense but also a retirement that works for you. Because just as many FAs dislike and refuse to recommend annuities for their clients, equally as many retirement specialists s...2016-07-0248 min

The David Lukas ShowYour Bank: The Fourth Player In Retirement “It is well that the people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning” ~Henry Ford For this most recent installment of the David Lukas Show, David continues with the Who’s Supporting You/ Who Can You Trust Series by talking about the fourth player in retirement: your bank. Just how important of a player is your bank? Very. In fact, knowing how the banking system works is critical to responsibly planning your retirement and safeguarding your h...2016-06-1848 min

The David Lukas ShowThe Fourth Player In Retirement “Hey, if I were starting over from scratch today with what we know, I’d blow up the existing structure and start over. What I’m talking about isn’t 401(k). I’m talking about the way investing is done.” — Ted Benna, Father of the 401k This week on the David Lukas Show, David talks about another important player in retirement, Wall Street and it’s primary tool for capturing your savings, the 401k. For most people saving in their 401k, they are limited to mutual funds that were designed and created by Wall Street. Since the...2016-06-1148 min

The David Lukas ShowSocial Security and TaxesMany soon-to-be retirees don’t know what’s in store for them when it comes to collecting Social Security after retirement. And, how if things weren’t set up correctly, come tax time, they may end up owing a lot more than they’d planned for. This week on the DL Show, David speaks candidly on what you need to know about Social Security and the taxation that those distributions are and can be subject to in the future. During the first half hour, David explains the origin of Social Security—basically, the government created way of get...2016-05-0748 min

The David Lukas ShowPensions, Pundits, and PropagandaWith so many “professional” opinions out there, concerning finance, sometimes it’s hard to differentiate between valuable information and propaganda. And before HUGE decisions are made there are many important factors to consider—whether you’re planning on taking a lump sum payout, a monthly income, or a roll-over in relation to your pension. This week, on the DL Show, our host David explains what future retirees need to know about their pensions, if they have one, before retiring. Topics discussed in today’s show: Defined Benefit Plan. This plan,otherwise known as the pension, is guaranteed b...2016-04-0248 min

The David Lukas ShowThe Financial Fear MongerThere are lots of mixed signals out there, in the financial world. And the new trend is for Financial Advisors and the media to fear monger about everything financial. Of course it is human to fear and worry about what we don’t understand. Lucky are the listeners of the David Lukas Show, in that he works hard to educate and help Savers Worry Less About Money®. This week, on the DL Show, David talks about how Wall Street banks on the heavy dose of fear fed to Savers. Promoting the ear of being taken adv...2016-03-1948 min

The David Lukas ShowWho's Making Money Off Of Your Retirement?Because Americans, en masse, participate in Qualified Plans without having all the details of how they actually work, many soon-to-be retirees are finding that their 401ks are falling short in means of future comfort. This week, our host David Lukas dives into the topic of 401ks and what you, as an investor in your future, need to know before retirement. Throughout the hour, David explains and expands on the importance of understanding the negative implications of future taxation as well as the effect that hidden fees can and will have on your hard earned retirement funds. Important f...2016-03-0548 min

The David Lukas ShowCount The Cost“You finance everything in life you buy. You either pay interest, or you give up the ability to earn interest on that money you would have earned had you not given it to someone else.” —David Lukas Do you have a plan in place to insure that your income will last as long as you live? Insider tip: The only place you can get that type of guarantee is with an insurance company through an annuity. Lord knows, retirement planning would be a lot easier if we all knew how long we were going to live. Unfortunately, we don’...2016-02-2748 min

The David Lukas ShowAnnuities: Search Popular ProductsHave you ever Googled the word annuity? If you haven’t, maybe you should. Much to the financial industry’s dismay, annuities have become popular products that help Savers use, enjoy and protect their hard earned money. This week, on the David Lukas Show, David focuses on annuities and why/how they have recently become the sweethearts of the insurance business. David first chats about something that happened back in 2014—an estimated 50 billion dollars moved from managed accounts into products called hybrid annuities (fixed indexed annuities). Yes folks. That’s 50. Billion. Dollars. So why did...2016-02-2048 min

The David Lukas ShowCaveat Emptor—Let the buyer bewareCaveat Emptor is an old Latin warning that notifies a buyer that the goods he or she is buying are “as is,” or subject to any, or all, defects. Armed with this knowledge, how are we as Savers to know what types of goods (financial products) are good for our portfolios and which types of goods could be devastating? On todays episode of the DL Show, our host David Lukas talks about how important it is that both current and future retirees know and understand on the “rules of the game”—the retirement game, that is. Topics d...2016-02-1351 min

The David Lukas ShowWhat Condition Are You In?Seems lately Wall Street’s spending a lot of time trying to get investors into a condition of fear. If you’re a Saver that’s been fooled into thinking you’re an investor–things have been scary lately. On this episode of the David Lukas Show, David points out the differences between Savers and Investors and the types of products that cater specifically to people who are concerned about the return of their money. Not just the rate. During the first half, David explains how conditional specialized in...2016-02-0648 min

The David Lukas Show"This" & "That"The first week of 2016 was the worst five days in recorded history, for the US stock market. The Dow Jones Industrial Average closed out… low—finishing the worst opening week ever seen for the world’s largest economy. While this was happening, many of the financial talking heads were yelling “CORRECTION! CORRECTION!” Now, whether this was the tipping point of a major correction or not, the volatility of the market could and still can’t be denied. It is historically evident that the stock market experiences a major correction every 7-8 years. Equipped with this information...2016-01-1947 min

The David Lukas ShowAnnuities: Choose With Caution, Save With Care. “What Savers need to understand is that somehow somewhere they’re going to have to figure out how to get some fixed indexed annuities into their retirement game plan. Why you ask? Because there is no other product that will guarantee money for life. That’s why.” –Tony Walker On this week’s episode our host welcomes frequent guest Tony Walker, retirement expert and creator of the WorryFree Retirement®, back to the David Lukas Show and entreats him to share his valuable knowledge of annuities with listeners. First, David and Tony discuss how di...2016-01-1648 min

The David Lukas ShowThe REAL Rate of Return…This week on the David Lukas Show, our host David speaks on the importance of knowing which products are great for Savers—ergo light on fees. Because fees are the number one factor in asset erosion, David stresses the importance in picking products with the lowest fees is the best way to ensure positive return. With these factors in mind, David plays and then discusses a clip from the PBS special, The Retirement Gamble, which explains, specifically, how devastating the compounding costs of fees can and will be to your retirement account. 2015-12-1247 min

The David Lukas ShowIn Light of Recent EventsConcerning the horrific event that occurred on December 2nd 2015: Our thoughts and prayers are with the San Bernardino victims and their families through this heartbreaking time. There is nothing that can be said that will ease the pain of their loss. May God bless and keep them for they are in His care now and forever. During this all-new installment of the David Lukas Show, David first speaks on the most recent act of terrorism placed upon Americans in San Bernardino, CA. on December 2nd 2015. Throughout the first half of the show...2015-12-0546 min

The David Lukas ShowWho Can Find A Trustworthy Man?On this episode of the DL Show, our gracious host first welcomes special guest Tony Walker, David’s mentor and partner in the WorryFree® Retirement process, to the show and chats with him about the recent budget cut soon to be singed into law. A budget cut that affects Social Security as it relates to soon to be retired individuals. Apparently, The File and Suspend (an action that allows a person who hasn’t previously retired to reach retirement age and then suspend those payments until a later age) option currently available to everyone eligible for Soci...2015-11-1448 min

The David Lukas ShowAll Hard Work Brings ProfitThis week on the David Lukas Show, David reminds all of his valued listeners how important it is to not only safeguard their money, but to also enjoy the benefits of all their hard earned saving. After all, you can’t take it with you! In the first segment, David talks about the two halves of life and how each one is instrumental to the other. Without the first half, the accumulation phase, the second half, at or near retirement, cannot be done WorryFree®. Without a proper game plan, it’s almost impossible to protect, use and...2015-11-0749 min

The David Lukas ShowIt's Halloween And That's Scary…But Retirement Doesn't Have To BeThis week, on the David Lukas Show, David chats about all the bad things that can rain on your retirement parade. So what’s the best thing to combat the retirement woes? Knowledge! Throughout the hour, David discusses the four costs of money and what Savers can and should do to educate themselves on: Fees – know and understand the fees you are paying Taxes – know and understand how much you are paying on what Premiums – know and understand the projected fees your FA could/will earn Interest – know and understand how devastating compounding i...2015-10-3148 min

The David Lukas ShowFees—Just Another Four Letter Word!Playing the stock market can be…tricky. And just as stock buy in/out prices can go up and down, so can the profits. TRUTH: Money’s being made whether you are or not. So who’s profiting on your investments? The answer should be you right? Right. But more often than not, it’s not. Regrettably, too many retirees don’t realize the damage that both hidden fees and future taxation can and will have on their retirement. This week on the David Lukas Show, David talks about all the money that’s being made off of you...2015-10-2449 min

The David Lukas ShowAre You Banking On A WorryFree® Future?Political season is upon us. And both sides, Democrats and Republicans, are scrambling for solutions to fix our country’s financial future. Both sides seem to know and understand that something economically bad is imminent—it’s just a matter of time. This week on the David Lukas Show, our host David first discusses an article written by By Kevin Cirilli and Bob Cusack, Trump: the economic bubble about to burst, Featured on thehill.com and its relevance to Savers. The article is an exclusive interview, featuring GOP presidential frontrunner Donald Trump, in which Trum...2015-10-1748 min

The David Lukas ShowIt's Time You Had The Whole Story…When it comes to life insurance, there are many differences of opinion. The people in the business of selling life insurance love it, of course. And the financial planning industry, the people who want you to put your money in the market, tend to hate it. Why all this difference in opinion you ask? Well, it’s because many of the people in the financial industry don’t fully understand the benefits of whole life insurance —that’s why! This week, on the David Lukas Show, David uses the first half-hour to discuss all of the r...2015-10-1547 min

The David Lukas ShowWhere Will The Market Go…It is historically evident that the stock market experiences a major correction every 7 -8 years. They don’t call it The Seven Year Itch for nothing. Armed with this information, why would you put your hard earned retirement funds at risk, if you’re at or near retirement? You’ve been told you have to by the Financial Industry—that’s why! This week on The David Lukas Show, our namesake host talks about some of the disparaging remarks many of the “talking mouths” in the financial world make about annuities. Because most financial busines...2015-09-1949 min

The David Lukas ShowWhat’s A Saver To Do In a Market Driven World?In the game of retirement planning, are you winning? Do you trust your financial or retirement rep’s best interests in planning your future? If you answered yes to both of these questions, you’re ahead of the game. If not, then you may be a Saver in need of some help. What qualifies someone as a Saver, you ask? The answer is simple. A Saver is someone who’s more concerned in the ownership of his or her money/ assets, and less interested in risk involved with investments on Wall Street. So what’s...2015-08-2947 min

The David Lukas ShowSimplify Your Financial PlanOn this week’s episode of the David Lukas Show, David and Zach talk about how easy it is for investors to simplify their financial plan—allowing them to truly retire WorryFree®. According to David and Zach, financial simplicity offers peace of mind whilst denoting an era of completeness. This allows the saver (AKA savvy investor) to enter into a restful, not emotionally disrupted, financial state. As Leo Babuta so eloquently stated in his book, The Power of Less, "simplicity boils down to two steps: Identify the essential...2015-07-2545 min

The David Lukas ShowHow to Save Smart"Even the intelligent investor is likely to need considerable willpower to keep from following the crowd." — Benjamin Graham This week on the David Lukas Show, David speaks candidly about how important it is to know the steps and planning needed to start saving smart in the first half (the accumulation phase) of your financial life. Because savers truly have a certain mentality, when it concerns money, they have different feelings toward the process of investing—and rightly so. That is why the WorryFree Retirement® was created, to Help Save...2015-07-1844 min

The David Lukas ShowAll Annuities Are Not The Same!"When you read about the debates, and people who talk in absolutes that annuities are terrible or the greatest thing, they’re really neither. There’s no such thing as an all-bad or all-good investment. You have to look at your overall investing strategy." —Barry Streit This week on the David Lukas Show, David and Tony Walker discuss how just as all savers are not the same, neither are annuities. And, unfortunately, because annuities have continuously received a bad rap from the financial sector, savers tend to be skeptical about their true value. 2015-06-2045 min

The David Lukas ShowLesson 5: Annuities — The Good, The Bad and the Ugly– Fifth in the ED Series – When it comes to financial advisors’ and retirement specialists’ overall feelings about annuities, there will undoubtedly be differences of opinion. Just as many FAs dislike and refuse to recommend annuities for their clients, equally as many retirement specialists suggest annuities as a fail-safe way to protect and set aside some, if not most, of an investor's assets specifically for retirement. When it comes to financial advisors’ and retirement specialists’ overall feelings about annuities, there will undoubtedly be differences of...2015-06-1345 min

The David Lukas ShowDo You Know What You’re Paying??This week, on the David Lukas Show, David brings to light the murky issue of all the undisclosed fees that you are most likely paying on your retirement investments. According to the article “The Retirement Risks We All Share”, found on Time.com, two thirds of Americans don’t realize that they may be or have been paying astronomical fees on their 401k plans. Unfortunately, what most investors don’t understand is that many times the success of your investments depends on keeping fees as low as possible. And because David Lukas, of David Luka...2015-06-0642 min

The David Lukas ShowLesson 3: Planning A Retirement You Can TrustThird in the Annuities Ed Series Trust noun \ˈtrəst\ : belief that someone or something is reliable, good, honest, effective, etc. : an arrangement in which someone's property or money is legally held or managed by someone else or by an organization (such as a bank) for usually a set period of time : an organization that results from the creation of a trust. It’s been said that a vision without action is but a daydream. But an action without a vision is but a nightm...2015-04-1843 min

The David Lukas ShowIf the Shoe Fits…When it comes to your retirement planning, are you a saver an investor or a speculator? Can you differentiate between the three? If you can, great! If you can’t, you’re not alone. Just as with shoes, retirement plans are not a one kind fits all situation. Different types of people are more, or less, comfortable with different types of retirement plans and it takes a certain kind of financial advisor to help his or her clients differentiate between the lot. This week, on the David Lukas Show, David talks with his partne...2015-03-2139 min

The David Lukas ShowThe Seven-Year ItchOn this week’s all new installment of the David Lukas Show, David and Zack talk about how, with careful planning, you can reap the benefits of guaranteed income for life. And because David Lukas Financial is dedicated to helping savers worry less about money®, David and Zach also, throughout the hour, chat about how different peoples’ personalities determine how they both deal with and feel about money. According to David, and other reputable financial authorities, market volatility seems to run in seven-year cycles. The disaster that the sub-prime mortgage credit bubble burst of 2007...2015-03-1443 min

The David Lukas ShowTalking With Tony WalkerBecause The David Lukas Show is the only radio program in Arkansas dedicated to helping savers worry less about money®, we consider it our duty to our listeners to provide the critical information need to safeguard their hard earned retirement funds against the inevitable pitfalls of life. On this week’s installment of the DL Show, we are proud to have acclaimed author, also David’s mentor and friend, Tony Walker as a guest. Tony Walker, the master mind behind The WorryFree Retirement®, started his venture in financial...2015-01-2444 min

The David Lukas Show2015 res·o·lu·tionnoun: resolution; plural noun: resolutions 1.  a firm decision to do or not to do something. “she kept her resolution not to charge anything on her credit card any more” 2. synonyms: intention, resolve, decision, intent, aim, plan; More commitment, pledge, promise  ”her resolution not to invest blindly” It’s a new year. 2015 to be precise, and we at David Lukas Financial are absolutely thrilled. Things are on the up and up for us and we only have our David Lukas Radio Show listeners and our clients to thank for our success. ...2015-01-0345 min

The David Lukas ShowBorn To Save... Pressured To SpendBorn To Save... Pressured To Spend To be American is to spend money—right? Unfortunately, for the most part, that statement is correct. In today’s financial environment, many savers are finding the pressures to conform their saver’s mentality to that of a spender’s hard to withstand. So what’s a saver concerned with financial security trapped within a consumer culture to do? In this week’s installment of the David Lukas Show, David and Zach explain steps that can be taken and the planning tha...2014-12-1344 min

The David Lukas ShowDo You Know What Lost Opportunity Could Be Costing You?Are you unaware of the amount of fees you are currently paying on your investments each year? If you are, you’re not alone. Millions of Americans have been sold a retirement plan—the 401k specifically—that can be loaded with the kind of hidden fees that could eat away up to two thirds of the account you’ve spent your entire career building. In this week’s installment of the David Lukas show, David and Zach are back to further explain the expensive pitfalls of uninformed and uninvolved investing. Be...2014-10-2542 min

The David Lukas ShowThe Man is Back!David Lukas, host of the David Lukas radio show and recent recipient of the Nielsen Award for being one of the top 100 Financial Shows in the nation, was back in the studio this weekend to introduce and chat about his interview with the author of “The Power of Zero”, David McKnight. According to McKnight, one thing’s for certain: taxes will—must go up. It is a mathematical fact that tax rates will undoubtedly double in order to keep our nation’s debt out of default before the 2023 projected deadline. This, my friends, is the dirty l...2014-10-0444 min

The David Lukas ShowDavid Lukas Talks With Neil DenmanListen to David speak with Neil Denman, CPA, and partner of Denman, Hamilton and Associates, talk about the alternatives we as taxpayers should consider to minimize taxation as much as possible. Obama care, whether you’re for it…or against it, is now just as inevitable as tax day and the cost difference between a government approved plan or a non-compliant plan could be significant for you and your family. According to the standards established by the ACA (Affordable Care Act) if you choose, or have already chosen, a noncompliant plan you are...2014-04-0845 min

The David Lukas ShowSteve Dejohn On The David Lukas ShowThis week, David is joined by Steve Dejon. Steve is a noted speaker, mentor, and authority within the annuity marketplace, and was featured on the cover of Senior Market Advisor magazine, June 2006 issue, “Selling $15 million per year of annuities.” Steve is the creator of the Retain Your Gains and Paycheck For Life videos, which educate the retirement-minded on how to protect their assets as they approach retirement and how indexed annuities work to safeguard their money. Steve also teaches consumers on the difference between risky and safe investments based on determining the appropriate diversified combination for...2013-10-2043 min

The David Lukas ShowJJ Childers on The David Lukas ShowThis week, David is joined by JJ Childers. JJ Childers is an Attorney, Author, Speaker, and Mentor. For the past two decades, he has devoted his professional life to helping clients and students learn and employ the strategies necessary to build a life of real wealth. He does this through his “3G Approach” in which he provides people with the information and knowledge to “Get it, Grow it, and Guard it.” He is a dynamic speaker and has appeared on stages throughout the United States and Canada with such notable figures as Armand...2013-10-1238 min

The David Lukas ShowAbout David LukasDavid talks about the show's evolution. Most of the show this PodCast is dedicated to David talking about his business background, his passions and what brought him to where he is today. Remember, to interact with David, Text "DLShow" to 90210 along with your question or comment. You can also email David at: David@DLShowOnline.com 2012-03-1940 min

The David Lukas ShowStock Market Got You Down? We Have Options!Are you ready for retirement? Have you saved the sufficient funds now needed to enjoy life after work? If you have, you’re ahead of the game. If you haven’t, there are options available to you that will secure a well-deserved retirement that truly is WorryFree®. Because the Stock Market is currently…uncertain, it has never been more important to both safeguard and access YOUR money on your own terms. This week on The David Lukas Show, David, with the help of his partner and mentor Tony Walker, discusses many of the opt...1970-01-0150 min

The David Lukas ShowWho's Supporting You?Not that long ago, we were able to count on our employers in retirement. With Social Security potentially becoming less of a support and the decline of pension plans (Defined Contribution Plans) and the rise and popularity of defined contribution plans (Primarily 401k’s), when it comes to planning for the big R, who should you be putting your faith and trust in? This week, on the DL Show, our host David talks about the five players in your retirement and the roles that each one plays. Who are these players you ask? The five players in re...1970-01-0148 min

The David Lukas ShowWho Can You Trust? The concepts of solvency, sustainability, and budget impact are common in discussions of Social Security, but are not well understood. Currently, the Social Security Board of Trustees projects program cost to rise by 2035 so that taxes will be enough to pay for only 75 percent of scheduled benefits... adjustments to taxes or benefits that offset the effects of the lower birth rate may restore solvency for the Social Security program on a sustainable basis for the foreseeable future. Finally, as Treasury debt securities (trust fund assets) are redeemed in the future, they will just be replaced with public debt. If...1970-01-0148 min

The David Lukas ShowThe Third Player In Retirement Retirement security was often compared to a three-legged stool supported by Social Security, employer-provided pension funds, and private savings. —Sander Levin This week on the David Lukas Show, David talks about another important player in retirement. Your employer. And why is your employer such an intricate part of planning your retirement correctly? Because they are the ones who not only provide the financial support you need in the present but also the financial support you’ll be needing in the future. Important topics discussed: What a pension was/ is When, why, and how...1970-01-0148 min