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Showing episodes and shows of
Josh Bretl
Shows
The Own Your Retirement Show
A Christmas Guide to Retirement Clarity
Retirement should feel more like a holiday break and less like a stressful countdown.In this festive episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott use the Christmas season to explain what real retirement freedom looks like and how to plan for it.Josh shares personal stories about family, freedom, and why retirement is not about hitting a magic number but understanding monthly spending and reliable income.The conversation covers income planning, taxes, healthcare, Social Security decisions, and long-term care, along with listener questions about gifting, charitable giving, and...
2025-12-20
52 min
The Own Your Retirement Show
Roth Moves, RMDs and Holiday Deadlines Made Simple
This week, Josh Bretl and Mark Elliott break down the end of year planning moves every retiree should know.They explain how Roth conversions, RMDs, capital gains planning, and charitable giving all work on different timelines and how a quick mock tax return can reveal smart opportunities before December 31.Josh also talks about the emotional side of retirement and the natural shift from the go go years to the slow go and no go years.From real stories to practical tax tips, this episode helps you understand what to prioritize now so you...
2025-12-13
52 min
The Own Your Retirement Show
Turkey, Stuffing and Your Nest Egg: A Holiday Guide to Better Retirement Decisions
This week, Josh and Mark use the Thanksgiving table as a fun and surprisingly practical way to break down the key parts of a strong retirement plan.From investments as the main course to income, taxes, and even emergency savings as the essential sides, they show how every piece of your financial picture works together.Josh also shares five tips for a happier, more confident retirement, including health, purpose, social connections, and planning ahead with family.Ready to talk?Call (630) 478-9599 to schedule your complimentary 15 minute call with an FSR advisor.
2025-11-29
52 min
The Own Your Retirement Show
How Rate Cuts, Longevity, and Planning Shape Your Retirement Future
Josh kicks off the show with a story from his annual father daughter camping trip, a reminder of why intentional time matters.He then breaks down the Federal Reserve’s latest quarter point rate cut and why this one is surrounded by controversy.With the government shutdown limiting economic data, markets and policymakers are reacting with mixed opinions.Josh explains how interest rates influence retirees and why planning around income, investments, taxes, healthcare, and legacy needs can help reduce the impact of outside forces.The show also explores increasing longevity, withdrawal st...
2025-11-22
52 min
The Own Your Retirement Show
Taxes, AI, and Artemis: A Surprisingly Hopeful Look at the Future
In this week’s episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott talk optimism - yes, optimism - in a world full of gloomy headlines.From a fourth-grade Greek mythology presentation to the latest Federal Reserve moves, Josh shares why he believes retirees have more reasons to feel hopeful than fearful.He explains how technology and consistent tax laws can actually work in your favor, and how smart planning can protect your income, reduce taxes, and keep your retirement on track even when the news says otherwise.The episode al...
2025-11-08
52 min
The Own Your Retirement Show
Are You Working with the Right Advisor for Retirement?
This week, Josh Bretl and Mark Elliott dive into what truly makes a confident, successful retirement.After sharing a funny story from a family trip to Cabo San Lucas, Josh draws a surprising connection between family planning and financial planning, both take effort, but they’re worth it.The conversation shifts to a Yahoo Finance report revealing how wealthy retirees think differently, focusing on guaranteed income, lifetime tax planning, and legacy.Josh also shares when it might be time to re-evaluate your financial advisor and what to look for in one who specializes in...
2025-11-01
52 min
The Own Your Retirement Show
Why the 4% Rule Is Broken, and What Retirees Should Do Instead
Retirement isn’t a short pit stop anymore, it can last 20 to 30 years or more.In this week’s episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into the evolving realities of retirement planning and why old rules like “the 4% rule” don’t hold up today. From managing income and taxes to preparing for healthcare and long-term care, Josh explains how planning must adjust to life’s phases — the go-go, slow-go, and no-go years.The pair also share family stories, book talk, and practical advice for retirees who want to enjoy...
2025-10-25
52 min
The Own Your Retirement Show
What a Kids’ Book Taught Us About Retirement and Legacy
What can a middle-school novel teach us about retirement?A lot more than you’d think!In this episode, Josh Bretl and Mark Elliott start with a heartwarming story about Josh’s family reading time and a surprising book set in a retirement village.The story sparks a conversation about connection, communication, and legacy, before diving into how those same themes apply to retirement planning.From the rising cost of healthcare to the changing role of 401(k)s and pensions, Josh breaks down how to plan for the expected and the unpr...
2025-10-10
52 min
The Own Your Retirement Show
Why Income Planning, and Not Gambling, Wins in Retirement
This week on The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into one of the trickiest parts of retirement: understanding interest rates and creating dependable income.Josh opens with a funny story about his son Alex discovering blackjack at a music festival, an eye-opening reminder of how tempting “gambling” can be, both at the card table and in the markets.From there, Josh explains how today’s interest rate changes impact retirees as both savers and borrowers, and why the shift from saving to spending is such a major life transition.List...
2025-10-04
52 min
The Own Your Retirement Show
Lasagna, Legacy, and Lifetime Income: Designing a Retirement Worth Savoring
Josh Bretl kicks off this week’s show with a story about a once-in-a-lifetime dinner at a world-famous restaurant, but it’s not just about food.It’s about rethinking the old way of doing things, just like retirement planning needs a fresh, thoughtful approach.In this episode, Josh explains how integrating proactive tax strategies with investment planning can significantly improve your retirement outcome.He also dives into the importance of understanding what you spend, why income is more important than rate of return, and how to find the right advisor to help you bu...
2025-09-27
52 min
The Own Your Retirement Show
The Retirement Storm: How to Face Rising Healthcare and Long-Term Care Costs
Retirement isn’t just about money in the bank, it’s about planning for the big picture. In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into Social Security, Medicare, and the rising costs of healthcare and long-term care.From nostalgic stories about Elmhurst festivals to the very real challenges of planning for medical bills, Josh and Mark bring clarity and humor to topics that often feel overwhelming.You’ll learn why Social Security is far more than just a “start early or delay” decision, how taxes and Medicar...
2025-09-20
52 min
The Own Your Retirement Show
Go-Go, Slow-Go, No-Go: Navigating Every Stage of Retirement with Confidence
What do ice cream museums and retirement planning have in common?More than you think!In this episode, Josh and Mark kick things off with a hilarious story about Josh’s family trip to the Museum of Ice Cream, then dive into the serious stuff retirees can’t ignore as the year wraps up. From Roth conversions to required minimum distributions, tax strategies, Medicare enrollment, and charitable giving, they cover the most important fourth-quarter moves you should consider.Plus, Josh shares how to plan for the go-go, slow-go, and no-go years of r...
2025-09-13
52 min
The Own Your Retirement Show
Annuities Uncovered: The Good, the Bad, and the Misunderstood
Retirement planning is filled with tough choices, and Social Security and annuities often top the list. In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott dig into the complexities of Social Security timing and the misunderstood world of annuities.They unpack the pros and cons of different types of annuities, from fixed to indexed, and explain why these tools are not inherently good or bad—they just need to fit the plan.You’ll also hear real-life stories, relatable analogies, and a dose of humor along the way.If y...
2025-09-06
52 min
The Own Your Retirement Show
From Axolotls to Zoo Concerts to Interest Rates: Retirement Lessons That Stick
Planning for retirement isn’t just about saving money, it’s about building a solid foundation.In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott cover it all—from funny family stories about concerts at the zoo (and even axolotls) to the serious topics shaping retirement today.They dig into the latest jobs report, what rising unemployment could mean for interest rates, and why tax strategy, investment management, and income planning matter more than ever.If you’re nearing retirement or already there, this episode helps you see the bigg...
2025-08-30
52 min
The Own Your Retirement Show
From Back-to-School Nerves to Retirement Jitters
Back-to-school jitters, market headlines, and retirement planning: what do they all have in common?In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott explore how life’s big transitions mirror retirement.From Trump-era tariffs and shifting tax laws to the real-life stages of financial life, Josh explains why emotional decisions can derail a retirement plan and how preparation brings confidence. Along the way, he shares personal stories about his kids starting middle school, lessons he’d give his 20-year-old self, and the importance of having a retirement roadmap befo...
2025-08-23
52 min
The Own Your Retirement Show
Is Your Advisor Right for Retirement, or Just for Growing Money?
Retirement planning isn’t just about saving money, it’s about knowing how to spend it wisely.In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott break down what to look for in a retirement advisor, why fees aren’t always bad, and the overlooked risks that can derail your golden years.From taxes to income planning to spotting red flags with your advisor, Josh and Mark simplify the complex while keeping things fun.You’ll hear real stories, practical tips, and even a laugh or two as they exp...
2025-08-16
52 min
The Own Your Retirement Show
Palm Trees & Pension Plans: A Christmas in July Retirement Talk
This episode brings a festive twist to financial planning! Josh shares his family's quirky Christmas in July tradition before diving into serious retirement issues—like tariffs, Roth conversions, and why retirement planning for women deserves extra attention.From tax-smart strategies to spousal Social Security, it’s all covered in Josh and Mark’s signature fun-yet-informative style.
2025-08-09
52 min
The Own Your Retirement Show
From Sleepaway Camp to Retirement: Planning for the Long Haul
What do your daughter’s summer camp, your taxes, and your IRA all have in common?In this episode, Josh Bretl and his co-host, Mark Elliott, explore how retirement planning is evolving in the face of longer lifespans.From heartwarming family anecdotes to eye-opening longevity stats, they break down why living longer changes everything—and what you can do about it.They dig into how Social Security, withdrawal strategies, and guaranteed income all need to adapt in this new age of retirement.Plus, how taxes may be the biggest threat retirees don’...
2025-08-02
52 min
The Own Your Retirement Show
The Big Beautiful Bill: What Retirees Really Need to Know
Congress just passed Trump's “The Big Beautiful Bill," but what does it actually mean for your retirement?In this episode, Josh Bretl and his co-host, Mark Elliott, break down the biggest tax law changes in decades, including updates to the standard deduction, SALT caps, Roth conversion windows, and even taxation on tips.Plus, they explore how retirees can take advantage of new planning opportunities, avoid common spending traps, and prepare for the evolving stages of retirement.It’s lighthearted, helpful, and full of real talk about what retirees need to be thinking about in t...
2025-07-19
52 min
The Own Your Retirement Show
Josh vs. Gravity: What a Canadian Go-Kart Ride Taught Us About Retirement
What do downhill carting in Calgary, a baby black bear, and retirement planning have in common? They’re all part of this week’s episode of The Own Your Retirement Show!Fresh off a family trip to the Canadian Rockies, Josh shares some hilarious and heartwarming travel stories—including the kids’ new obsession with go-karts and french fries at the top of a rotating tower. But the real journey? It’s figuring out how to retire confidently.Josh and Mark dive into the four essential questions every retiree or soon-to-be-retiree should ask:When can I retire?H...
2025-07-12
52 min
The Own Your Retirement Show
From 90s Prom to Tax Reform: Retirement Lessons You Didn’t Expect
What do 90s prom dresses and the latest tax legislation have in common? More than you might think! In this heartwarming and info-packed episode, Josh shares a hilarious story of his wife’s “ladies-only” 90s prom night in downtown Chicago and how it inspired deeper thoughts on memory-making in retirement. Retirement shouldn’t just be about looking back — it should be the best part of your life, filled with new experiences.Josh and Mark then dive into the proposed “Big Beautiful Bill” making its way through Congress — what’s in it, what might change, and how it could affect retir...
2025-06-28
52 min
The Own Your Retirement Show
From Birthday Parties to Tax Strategies: Real Talk for Real Retirees
What do Medieval Times, Eminem, and retirement tax planning have in common? Quite a bit, actually — at least on this week’s episode of The Own Your Retirement Show!Josh Bretl and Mark Elliott kick things off with a hilarious story from Josh’s life as a dad — taking 16 eleven-year-olds to Medieval Times for an epic birthday party (complete with jousting, yellow knight banners, and a very loud bus ride).But after the laughs, they roll up their sleeves and get into what’s really top-of-mind for many pre-retirees and retirees: how to plan smarter for a secu...
2025-06-21
52 min
The Own Your Retirement Show
Fondue and Finances & Retirement Income Blueprint
This week's episode of "Own Your Retirement Show" with Josh Bretl, president of FSR Wealth Strategies, highlights strategies for planning a successful retirement.The discussion starts with the importance of identifying where one stands on the road to retirement and covers essential topics such as income, investment, taxes, healthcare, legacy planning, Social Security, and Medicare.A significant portion of the show emphasizes the importance of having a personalized plan.The episode reminds listeners that financial planning requires careful consideration of unpredictable factors like market volatility and political changes.Moreover, the show...
2025-06-07
52 min
The Own Your Retirement Show
Social Security, Making Your Money Work for You and Memorial Day
The "Own Your Retirement Show" with Josh Bretl, President of FSR Wealth Strategies, focuses on critical aspects of financial planning for retirement.Key topics include strategies to minimize taxes on retirement savings such as 401(k)s and IRAs, where FSR Wealth Strategies emphasizes the importance of understanding the tax implications and planning accordingly.The show also highlights upcoming workshops on maximizing social security benefits, which are designed to educate participants on optimizing their social security income based on personal circumstances.The overarching theme is the necessity of creating a comprehensive retirement strategy that...
2025-05-24
52 min
The Own Your Retirement Show
Tax Savvy Strategies & Cleaning Up 6 Common Myths About Retirement
This week's Own Your Retirement Show centers around retirement planning and financial strategies, led by the president of FSR Wealth Strategies, Josh Bretl.Key topics include the importance of tax efficiency, diversification, and the handling of tariffs.The discussion emphasizes the need for professional guidance in navigating the complexities of retirement planning, particularly in keeping up with changing tax laws and market conditions.Furthermore, the show touches on personal anecdotes, such as Josh Bretl's experiences with his family's school events and reflections on broader economic issues impacting investments and savings, including tariffs and...
2025-05-17
52 min
The Own Your Retirement Show
Avoiding Negative Thinking in Market Uncertainty
The "Own Your Retirement Show", hosted by Josh Bretl of FSR Wealth Strategies, delves into the intricacies of retirement planning.The show emphasizes the importance of having a concrete plan for financial security through retirement, and on today's show discuss the phases of retirement planning, the significance of powers of attorney, healthcare, and legacy planning.The podcast highlights the necessity of being prepared for life's uncertainties and making informed decisions about where to allocate money to avoid unnecessary taxes.The overall goal is to help listeners create a comprehensive retirement plan that provides...
2025-05-10
52 min
The Own Your Retirement Show
Family Expectations in Retirement, Annuities & Tips for a Happy Retirement
In this episode of "Own Your Retirement Show," Josh Bretl delves into essential tips for a happy and successful retirement, emphasizing the importance of planning and having conversations with family about expectations, health, and financial desires.Josh shares personal anecdotes about his family's approach to retirement and stresses the significance of setting clear expectations to avoid potential issues.Additionally, the episode highlights the critical role of time management in retirement and the five tips for a happy retirement.This approach to retirement planning includes not only financial strategies but also maintaining health, staying...
2025-05-03
52 min
The Own Your Retirement Show
Market Volatility's Impact on Social Security
In this episode of The Own Your Retirement Show, Josh Bretl discusses recent market volatility and it's potential impact on social security, as well as the emotional and financial complexities involved in transitioning to a new financial advisor, especially during the retirement phase.He highlights the use of a well-crafted "current advisor letter" to facilitate the transition, along with the necessity of seeking second opinions to ensure the chosen financial path remains optimal.Additionally, the episode delves into analogies and personal stories pertaining to changing seasons as a metaphor for retirement.The hosts...
2025-04-26
52 min
The Own Your Retirement Show
Creating Dependable Retirement Income & Recent Market Volatility
In this episode of "The Own Your Retirement Show," host Josh Bretl discusses tariffs and their impact on the economy and individual retirement planning.Josh explains the concept of tariffs and how they can affect the cost of goods imported into the U.S., using the example of the baking industry to illustrate potential cost increases for consumers.He emphasizes the importance of separating the economy from the market and addressing how tariffs could influence retirees' investments. Josh stresses the necessity of having a robust retirement income plan that can withstand market fluctuations...
2025-04-19
52 min
The Own Your Retirement Show
Planning for Your Financial Future - Retirement, Travel, Legacy & More!
In this episode of "The Own Your Retirement Show," host Josh Bretl dives deep into the intricacies of retirement planning.Josh starts off discussing the multifaceted aspects of retirement, including the importance of seeking professional guidance to answer critical questions about when and how to retire.The conversation then transitions into a lighter note as Josh shares his plans for a family road trip to the Mall of America, highlighting the significance of travel in enjoying one's retirement years.The episode emphasizes how planning for enjoyable activities, like travel, can enrich your retirement...
2025-04-05
52 min
The Own Your Retirement Show
Navigating Market Volatility and Hidden Retirement Obstacles
In this episode of the Own Your Retirement Show, host Josh Bretl dives into various challenges and strategies associated with planning for retirement.The discussion kicks off with a heartwarming analogy about rock climbing, which Josh uses to illustrate the hard work and preparation needed for retirement.This narrative establishes a broader theme of perseverance and careful planning, likening retirement's financial preparation to both the climb and careful descent from a mountain.The episode then transitions to a detailed discussion on market volatility, the proper asset allocation, and the importance of understanding and...
2025-03-29
52 min
The Own Your Retirement Show
Navigating Retirement Amidst Market Volatility & Tax Challenges
In this episode of the "Own Your Retirement Show," Josh Bretl dives into the complexities of retirement planning amidst market volatility and political uncertainties.They begin the discussion by highlighting the significance of community celebrations in Chicago, particularly St. Patrick's Day, which serves as a metaphor for rejuvenation and new beginnings—much like the hopeful transition into retirement.The conversation seamlessly transitions into the challenges of retirement planning, focusing on how market fluctuations, influenced by political events such as tariffs, can impact retirement savings.The latter part of the episode addresses specific retirement pl...
2025-03-22
52 min
The Own Your Retirement Show
Planning for the Future of Taxes & Timeless Advice
In this episode of the "Own Your Retirement Show," hosts Mark Elliott and Josh Bretl, President of FSR Wealth Strategies, delve into the intricacies of retirement planning and the impact of taxation.Josh shares personal anecdotes about family trips and sledding adventures, highlighting the importance of creating lasting memories.They discuss the implications of potential changes to the 2017 Tax Cuts and Jobs Act and how these changes could affect retirees, emphasizing the importance of tax planning in ensuring a secure financial future.The episode sheds light on various tax strategies, such as the...
2025-03-01
52 min
The Own Your Retirement Show
Balancing Family and Finances - Planning for a Secure Retirement
In this episode of the Own Your Retirement Show, hosts Mark Elliott and Josh Bretl, the president of FSR Wealth Strategies, dive into the complexities of retirement planning.They address a host of foundational questions, such as "Can I retire?" and "Will my money last as long as I need it to?" They emphasize the importance of understanding your financial status and outline the steps you need to take to secure a stress-free retirement.Interwoven with financial insights, Josh shares a heartfelt personal story about his daughter's passion for gymnastics, highlighting the significance of supporting...
2025-02-22
52 min
The Own Your Retirement Show
Preserving and Optimizing Your 401K
In this episode of the Own Your Retirement Show, Mark Elliott and Josh Bretl, President of FSR Wealth Strategies, dive into the intricacies of retirement planning.They address common concerns like whether you can afford to retire, how to ensure your money lasts, and when the right time to retire might be.Listeners are treated to Josh's light-hearted family stories, including a memorable tradition of celebrating "National Eat Ice Cream for Breakfast Day," which serves as a delightful segue into a thought-provoking discussion on the joys and freedoms retirement can offer.The episode...
2025-02-15
52 min
The Own Your Retirement Show
Retirement Regrets and 2025-2026 Tax Implications
The "Own Your Retirement Show" hosted by Josh Bretl, president of FSR Wealth Strategies, and Mark Elliott provides valuable insights into retirement planning.This episode centered on understanding key retirement concerns, from managing income, investments, taxes, and healthcare to addressing emotional aspects and practical challenges retirees face.Josh opened up about a personal experience of single parenting during his wife’s short getaway, which gave him a new perspective on empathy and the importance of walking in someone else's shoes—a principle he relates back to FSR Wealth’s client-first approach.The team strive...
2025-02-08
52 min
The Own Your Retirement Show
Retirement Unknowns and Scams to Watch Out For!
The latest episode of the Own Your Retirement Show with hosts Josh Bretl and Mark Elliott takes listeners on an insightful exploration of retirement planning, focusing on key unknowns and avoiding common regrets. The episode begins with Josh sharing a heartfelt personal story about celebrating his 20th wedding anniversary, skillfully tying it into the discussion of life’s significant transitions—marriage, parenthood, and, ultimately, retirement. Josh emphasizes that retirement brings the most significant lifestyle change, not only financially (as income shifts to rely on Social Security, savings, and pensions) but also mentally and emotionally. The duo then dives into reti...
2025-02-01
52 min
The Own Your Retirement Show
2025 Plans & Resolutions + The Twin Threats of Taxes & Inflation
The "Own Your Retirement Show," hosted by Josh Bretl and Mark Elliott, dives deep into financial planning strategies designed to help individuals prepare for a successful retirement. This episode kicks off with the hosts catching up on memorable holiday experiences, including Josh's exciting family trip to a Chicago Bulls game. While reminiscing about the past and the joy of sharing new experiences with his children, Josh creates a relatable bridge to the importance of making thoughtful choices and planning for the future.The show transitions into valuable discussions on financial topics, such as recent updates to Social...
2025-01-18
52 min
The Own Your Retirement Show
Being Forced Into an Early Retirement and the Retirement Naughty & Nice List
This episode of “The Own Your Retirement Show” hosted by Mark Elliott and Josh Bretl of FSR Wealth Strategies dives into crucial aspects of retirement planning, with a focus on creating a comprehensive strategy for income, taxes, healthcare, and legacy.The hosts discuss the importance of proactive year-end tax planning, especially with upcoming changes to tax rates in 2026, and emphasize strategies like Roth conversions, tax loss harvesting, and maximizing tax brackets to minimize future financial burdens.Through relatable anecdotes, they shed light on planning for unplanned retirements, managing required minimum distributions (RMDs), and balancing financial deci...
2024-12-28
52 min
The Own Your Retirement Show
Risks in Retirement and Throwback to 1975
The "Own Your Retirement" radio show, hosted by Mark Elliott and Josh Bretl of FSR Wealth Strategies, offers listeners insightful discussions and actionable advice on retirement planning. This episode highlights the challenges modern retirees face, like the lack of pensions compared to past generations and the increasing cost of living.Mark and Josh discuss practical solutions, focusing on saving strategies like using IRAs and Roth IRAs, along with the importance of diversification and tax planning to combat risks like longevity, inflation, and unpreparedness.They also touch on creating personalized retirement strategies through their "Vision Visit"...
2024-12-21
52 min
The Own Your Retirement Show
Financial Habits to Break and Four Questions About Retirement
Any time is a good time to break a bad habit. Whether you want to make improvements in your routine at home, your job performance at work, with your physical health or your financial health, the time to make a positive change for your future … is right now. Josh Bretl and Mark Elliott discuss avoiding complacency and other bad habits in retirement that prevent us from making adjustments to our portfolio. Additionally, the pair of hosts talk about a Fidelity report that the average 65-year-old couple is estimated to spend more than $300,000 (after tax) on he...
2024-12-14
52 min
The Own Your Retirement Show
Bitcoin, Investing and Retirement Planning
This "Own Your Retirement Show" episode covers a wide range of financial and retirement planning topics, with hosts Mark Elliott and Josh Bretl, President of FSR Wealth Strategies, leading the discussion. The duo kicked off the show with a lighthearted conversation about Josh's family's trip to see the musical Annie, tying themes of optimism from the show’s music to the challenges faced by retirees in navigating market volatility and changing financial landscapes. They transitioned into the complexities of cryptocurrency investments, like Bitcoin, and explored the risks and rewards for retirees, stressing the importance of diversification and caution when in...
2024-12-07
52 min
The Own Your Retirement Show
Family, Finances and the Importance of Understanding the Value of Money in Retirement
The "Own Your Retirement" show, hosted by Mark Elliott and Josh Bretl of FSR Wealth Strategies, focuses on guiding listeners through the complexities of planning for retirement. This episode covers key topics like financial planning, retirement stages, and the importance of understanding the value and purpose of money. Josh shares engaging stories about Thanksgiving traditions and client success stories, tying them to life lessons such as financial education and intentional spending. The duo discusses how retirement phases, from the active "go-go" years to the slower "no-go" years, influence spending habits and planning priorities.Listeners are reminded of...
2024-11-30
52 min
The Own Your Retirement Show
Growing Government Debt and a Future with Potential Higher Taxes
The "Own Your Retirement Show," hosted by Josh Bretl and Mark Elliott, tackles a variety of important financial topics to help retirees and pre-retirees take control of their financial futures. The show kicks off with a personal and heartwarming story from Josh about a father-daughter camping weekend, demonstrating the value of building meaningful memories amidst life’s busy moments. From there, the discussion moved into pressing financial matters, including year-end retirement planning priorities. Key topics include managing Required Minimum Distributions (RMDs), exploring Medicare enrollment changes, and maximizing Roth conversions for tax efficiency.The conversation also emphasized taking re...
2024-11-23
52 min
The Own Your Retirement Show
The FSR Wealth Client Experience & Timeless Advice
The "Own Your Retirement Show," hosted by Josh Bretl, President of FSR Wealth Strategies, and Mark Elliott, focuses on guiding listeners through the complexities of retirement planning.The episode discusses the importance of taking control over your retirement by planning for income, investments, taxes, healthcare, and legacy management.Josh emphasizes that transitioning to retirement is a significant life change, often more profound than expected, due to the loss of regular income and the need to make crucial financial decisions.Josh shares personal anecdotes to illustrate how retirement planning can often lead to 'analysis...
2024-11-16
52 min
The Own Your Retirement Show
023: Election Results Impact on Your Retirement & Balancing Your Portfolio
The "Own Your Retirement Show" hosted by Mark Elliott and Josh Bretl, President of FSR Wealth Strategies, focuses on providing insights into retirement planning. The episode discusses the impact of political changes, like Trump's election victory, on financial portfolios and tax strategies. The hosts emphasize the importance of adapting to potential changes in tax legislation and maintaining a personalized approach to retirement planning.Key topics include the 2017 Tax Cuts and Jobs Act, Roth conversions, and the significance of rebalancing investment portfolios. Becky Swansburg, a former White House staffer, offers expert insights on tax planning and the implications...
2024-11-09
52 min
The Own Your Retirement Show
Weddings, The Election, Social Security, End of Year Taxes and The Own Your Retirement Process
The "Own Your Retirement Show" offers valuable insights for retirees and pre-retirees navigating the complexities of retirement planning. Hosted by Josh Bretl, President of FSR Wealth Strategies, and Mark Elliott, the show provides expert advice on transitioning from the accumulation phase to the spending phase of retirement. It covers essential topics such as tax strategies, investment planning, Social Security, and legacy planning, emphasizing the importance of taking control of one's financial situation. With a focus on the unique challenges faced by retirees today, the show aims to enlighten and empower its audience to make informed decisions that benefit their...
2024-11-02
52 min
The Own Your Retirement Show
Rolling Over IRAs and Falling Interest Rates
The "Own Your Retirement Show," hosted by Mark Elliott and Josh Bretl, offers invaluable insights for pre-retirees navigating the complexities of retirement planning. In the latest episode, the hosts discuss crucial topics such as rolling over 401(k) plans into IRAs and emphasizing common mistakes that could result in significant financial losses. Josh, a seasoned CPA and President of FSR Wealth Strategies, shares his expertise on tax planning, highlighting the importance of reinvesting rolled-over funds to avoid the pitfalls of low-earning cash reserves. Listeners are guided through the nuances of retirement account management, ensuring they maximize their returns and avoid...
2024-10-26
52 min
The Own Your Retirement Show
Reasons to Fire Your Advisor & Top 5 Retirement Questions
What are some reasons to look for a new financial advisor and get rid of your old one, and what's the best way to go about the process?Plus, the top five questions facing you in retirement planning.
2024-08-03
52 min
The Own Your Retirement Show
Three Risks That Could Hurt You in Retirement
There are several big risks to your money that could have a negative impact on you in retirement as you plan for your financial future.
2024-07-27
52 min
The Own Your Retirement Show
Election 2024 on Your Retirement, Planning for Large IRAs & Financial Olympics
As we grind closer to Election Day 2024, how do we sort through the campaign promises and political rhetoric and how it impacts your finances and retirement?Planning for the taxes and everything that goes with retiring to a large IRA.And what the Olympics can teach us about retirement and finances ahead of Paris 2024.
2024-07-20
52 min
The Own Your Retirement Show
Late Medical Expenses in Retirement & Top 5 Things to Avoid When You Retire
Most people are worried about becoming a burden on their family or being unable to afford nursing home care later in life. Are you one of them? Plus, discussing financial risk and our behavior as retirees and the top five things to avoid doing when your retire.
2024-07-13
52 min
The Own Your Retirement Show
High Interest Rates & Planning for the Worst and Hoping for the Best
Today’s higher interest rates won’t last forever. So what money moves have you made to capitalize on them? And planning for the worst expenses in retirement like long-term care versus hoping for the best.
2024-07-06
52 min
The Own Your Retirement Show
Financial Independence and the Three Stages of Retirement
Retirement can mean the freedom to do what you want to do when you want to do it for as long as you can. How does that impact your finances and how is it dependent on which of the three stages of retirement you are in from the go-go, slow-go to the no-go years.
2024-06-29
52 min
The Own Your Retirement Show
Uncertainty Ahead of Retirement
Josh Bretl discusses uncertainty and nervousness ahead of retirement, as well as preserving your retirement savings from taxes. Plus, the top five taboo topics of retirement to discuss.
2024-06-22
52 min
The Own Your Retirement Show
Unplanned Retirement Costs and Preserving Your Retirement From Taxes
You probably know what you should plan to spend on housing, vacations and groceries in retirement. But are you ready for all the unplanned costs in retirement? Plus, preserving those retirement savings with taxes and the ever-changing economic climate. Finishing the show off with the Top 5 Taboo Topics in retirement.
2024-06-15
52 min
The Own Your Retirement Show
Building Your Financial House
When you build your financial house, where do you start and what makes up the essential parts of a house? How does it all work together in creating your retirement and financial plan?
2024-06-08
52 min
The Own Your Retirement Show
The Own Your Retirement Show with Josh Bretl - Trailer
The "Own Your Retirement" show, hosted by Mark Elliott and Josh Bretl of FSR Wealth Strategies, focuses on guiding listeners through the complexities of planning for retirement. Enjoy the trailer, and be sure to subscribe to our show!
2024-06-01
02 min
Retirement Equals Freedom
Annuities Part 2 - Because Some Is Never Enough!
Sometimes investment decisions (like saving for retirement) are black and white. No nuance or downsides.But when it comes to annuities, there are shades of grey that The Retirement Equals Freedom Podcast is here to help you understand.On this second of two parts, Host Josh Bretl shares FSR Wealth Strategies’ take on when, how and why certain annuities can make the perfect fit for clients whose portfolios need rounding out.You’ll learn about various types of vehicles to consider, what makes them appealing and potential pitfalls to avoid.Take note...
2023-07-05
39 min
Retirement Equals Freedom
What’s Annuities Got to Do With It? - Part 1
Annuities! For years now they’ve been dissed, maligned and misunderstood … which is why we’re setting the record straight on this episode of Retirement Equals Freedom.Host Josh Bretl, owner of FSR Wealth Strategies, explains why this particular investment vehicle has gotten a bad rap (Co-Host Dave Schmidt can relate) and how to educate ourselves on the facts.As always, it comes down to taking a holistic look at your financial snapshot, including timelines, mix of investments and overall goals.Sure. When it comes to annuities, there are some very real downsides. But in...
2023-06-21
35 min
Retirement Equals Freedom
Choosing the Right Retirement Financial Advisor: A Checklist for Success
Clarity. Simplicity. Certainty. When it comes to turning our finances over to an expert, these are the three guiding lights that Host Josh Bretl, founder of FSR Wealth Strategies, wants us to keep in mind.Retirement planning represents a different phase of life and requires the right expertise, which is why this episode of Retirement Equals Freedom is focused on providing you an all-important checklist to consider before turning your valuable assets – and future well-being – over to a financial adviser.What are their credentials? Do they have solid knowledge of how to draw down assets – includ...
2023-06-07
33 min
Retirement Equals Freedom
When It Comes to Taxes, It’s All in the Planning!
When it comes to Tax Prep versus Tax Planning? Hands down, planning is king!Host Josh Bretl, founder of FSR Wealth, is showing us the difference between putting together the info we need to file our taxes (always a short-term nuisance!) and positioning ourselves to minimize what we actually owe when April 15th rolls around (a long-term proposition).As you’ll learn on this episode of Retirement Equals Freedom, whatever stage of life you’re in – from raising young kids to enjoying those golden years – there are important tax implications. It’s about creating a proactive...
2023-05-24
34 min
Retirement Equals Freedom
Waking Up to Bank Failures and What It All Means
It’s been a bumpy ride for banks lately – but context is everything! That’s why Josh Bretl, our fearless host and founder of FSR Wealth Strategies, is here to decode the collapse in recent weeks of Silicon Valley Bank, Signature Bank and First Republic.When we talk about these bank failures and the role of the FDIC (Federal Deposit Insurance Corp.) in bailing them out, it’s important to understand the customer base of the institutions involved.You’ll learn on this episode of Retirement Equals Freedom about the three key factors that have driven top...
2023-05-10
31 min
Retirement Equals Freedom
De-Mystifying Medicare - Part 2
Medicare. The beauty and the terror!This episode of Retirement Equals Freedom features a first-ever guest, David Wylly of Medicare Solutions Network, who is here to liberate us from our fear of the unknown!Host Josh Bretl, Founder of FSR Wealth Solutions, runs through a list of key questions covering everything we need to know about this federal health care program and how it can directly impact our quality of life. (If you missed Part I, you might want to get the basics by clicking here to hear Episode 35.)You’ll learn in Pa...
2023-04-26
28 min
Retirement Equals Freedom
De-Mystifying Medicare - Part 1
Medicare with all its parts and options intimidates a lot of us – with good reason. But Host Josh Bretl, Founder of FSR Wealth, and his prize pupil, Co-Host Dave Schmidt, have got our backs!In the first of what will be a two-part blockbuster, the Retirement Equals Freedom team is bringing us the ins and outs of a federal health care benefit from which we all stand to, well … benefit.The trick is figuring out how Medicare works and the right strategy for our individual situations.You’ll learn on this episode about the di...
2023-04-12
34 min
Retirement Equals Freedom
FSR’s Mic Drop Mission Statement 2.0
From its inception, the Retirement Equals Freedom Podcast has been laser-focused on providing practical info to help folks prepare for their golden years.But on this very special episode Host Josh Bretl, founder of FSR Wealth Strategies, is letting us in on a secret!As he and Co-Host Dave Schmidt explain, their team’s positive energy and client success are about more than the nuts and bolts of tax strategy, investments and savings.What else is there?Well, it’s personal!Far from a cookie-cutter formula, the collaborative FSR appr...
2023-03-22
31 min
Retirement Equals Freedom
Tax Challenges Are Unavoidable. But There Are Solutions!
Buckle up for this one because Host Josh Bretl, founder of FSR Wealth Strategies, is not messing around. This episode of the Retirement Equals Freedom Podcast is getting down to the nitty-gritty of tax strategy for retirement.Following up on Episode 32, as promised we’re getting the solutions and work-arounds for a range of tax-related challenges that all too often leaving us with a compelling desire to bury our heads in the sand.This pod’s primary message is: Don’t do that! With a little sound financial advice and some planning, we can all set a...
2023-03-08
32 min
Retirement Equals Freedom
Don’t Let Tax Drag Drag Your Investments Down!
Have you ever wondered whether your retirement nest egg is mired in Tax Drag? If not, it’ll definitely be on your radar after this episode of The Retirement Equals Freedom Podcast.Host Josh Bretl, founder of FSR Wealth Strategies, is breaking down the intent behind portfolio rebalancing and the difference between sheltered and unsheltered investment vehicles.We don’t have to live in fear of capital gains or let tax liability on non-qualified investments scare us out of cashing in and enjoying the fruits of the assets we’ve accrued! All we need to do is...
2023-02-22
38 min
Retirement Equals Freedom
SECURE Act 2.0 for Retirees – What You Need to Know!
Whether we’re talking about gall bladders or the SECURE Act 2.0, there’s really no such thing as over-sharing. Right? That’s why on this episode of Retirement Equals Freedom, Host Josh Bretl is diving deep into both topics! In addition to finding out how he’s faring post-surgery, we’re also getting a thorough debrief on the many (in some cases subtle) new SECURE Act provisions adopted by Congress at the end of 2022 – many of which may impact how we manage our retirement accounts and other savings vehicles.You’ll learn about an adjustment to age limits for req...
2023-02-01
38 min
Retirement Equals Freedom
Fun With 401k Plans - America's Greatest Savings Tool!
They are the single biggest savings tool we have available to us. Are you using them effectively? That’s the question Host Josh Bretl explores on this episode of Retirement Equals Freedom, which is devoted to all things 401k:How they work.Who can contribute.Ways to make and monitor investments inside them.When it’s okay to withdraw funds from them – and how.Plus insights about #TaxNerd implications and an interesting loan option.You’ll come away from this episode with a whole new depth of wisdom about 401ks and why they are such a valuable...
2023-01-18
36 min
Retirement Equals Freedom
Your Annual IRA Contributions – When, Why & How Much!
We’re at the dawn of 2023 and Co-Hosts Josh Bretl and Dave Schmidt are here to help us all fill our buckets – financially and otherwise!Join us for a special New Year Edition of the Retirement Equals Freedom Podcast focused on figuring out how traditional and Roth IRAs as well as 401k plans can work for you!#TaxNerds: You’ll come away understanding the benefits, limitations and rules of the road on contributions just in time for tax season – with a little historical context about retirement investing and pensions thrown in for good measure!Don’t...
2023-01-04
31 min
Retirement Equals Freedom
028: 4 Things to Know Before Claiming Social Security (Part 3)
You may be getting ready to tuck into your favorite holiday movie, but not quite yet! There’s more to learn about Social Security, thanks to Retirement Equals Freedom’s very special Part III episode all about the gift that keeps on giving!Host Josh Bretl, founder of FSR Wealth Strategies, is closing out the year with a recap and deeper dive into some of the variables we all need to weigh when deciding when to tap federal benefits.He’s explaining the potholes that often trip up retirees and suggesting strategies to consider when making...
2022-12-21
35 min
Retirement Equals Freedom
027: When Should You Claim Social Security? (Part 2)
Have you been counting down the hours? Well, it’s heeere! Part II of what promises to be a Retirement Equals Freedom ratings bonanza focused on – you asked for it – Social Security!Host Josh Bretl is walking us through some of the variables that we all want to factor into the all-important decision about when to start receiving Social Security. Sooner or later? It depends on your age, health history and how much you (and your spouse) require to live comfortably.It also depends on how much you’re earning. (Did you know you could suffer b...
2022-12-07
30 min
Retirement Equals Freedom
026: Getting the Lowdown on Social Security (Part 1)
Are you ready for all things Social Security? On this episode of Retirement Equals Freedom, Host Josh Bretl is starting off a 360° look at this federal program that touches the lives of just about every retired American. (We promise, it’s exciting!)This jam-packed show is focused on the system’s history – from how it got started to how its parameters have evolved. Established by President Franklin D. Roosevelt at the height of the Great Depression, as Josh says, “Social Security is a beast of a government program that has a huge impact on almost everyone’s lives.”...
2022-11-23
33 min
Retirement Equals Freedom
Factoring Longer Lifespans into Retirement Security – and Fun!
Actuarially speaking, death these days isn’t really a downer! As Host Josh Bretl highlights with data points on this episode of Retirement Equals Freedom, the average human life span has stretched way out beyond previous generations.The good news is, that means more years to enjoy! But that positive headline also comes with a word to the wise: You’re going to want to do some planning to ensure you’ve got enough fuel in the tank to enjoy all the days of your life!Josh and his co-host, Dave Schmidt, are looking at “the hier...
2022-11-09
29 min
Retirement Equals Freedom
024: 2022 Year-End Financial Planning
They say timing is everything, which is most definitely the case when it comes to year-end financial planning. That’s why Host Josh Bretl is bringing us his Top Six End-of-Year Considerations as we bring 2022 to a close. This episode of Retirement Equals Freedom (crisply choreographed with a big assist from Erin!) features a comprehensive “to do” list related to taxes, retirement account distributions and charitable giving that you’ll want to strategize about over the coming weeks (perhaps with help from your qualified advisor).You’ll also learn why it’s time to look at your Medicare cov...
2022-10-26
30 min
Retirement Equals Freedom
023: What are Some Bond Alternatives?
If you’ve been impatiently waiting for another installment in Host Josh Bretl’s compelling tutorial about all things bonds, then this episode of The Retirement Equals Freedom Podcast is for you! In addition to recapping how today’s bond market differs from what we’ve seen over the past 40 years, Josh is explaining everything you need to know about alternative investments, the bases these investments should ideally cover (risk reduction and a decent rate of return) and some of the specific vehicles you might want to explore (Christmas wreaths are not among them). The guys also give a shout-ou...
2022-10-12
31 min
Retirement Equals Freedom
022: All About Inflation Fighting I Bonds
Guess what? I Bonds are no longer the bell bottoms of financial investments! In fact, they are right on point in these inflationary times! Host Josh Bretl, CPA and founder of FSR Wealth Strategies, explains exactly why Co-Host Dave Schmidt – and anyone else with some spare cash being eroded by inflation – might want to consider this low-risk government-backed vehicle.On this episode of Retirement Equals Freedom, we are learning how I Bonds work and who is best suited to buy them (most anyone with cash on hand that they won’t need to tap for at least 12 months...
2022-09-28
27 min
Retirement Equals Freedom
021: How Does the SECURE Act Affect Your IRAs?
Wait for it! Who knew that anticipating one person’s “Byeee!” could create such compelling podcast drama? We don’t want to undersell the exciting insights Host Josh Bretl is sharing about the Secure Act of 2019 on this episode of The Retirement Equals Freedom Podcast. But its special guest Erin Fogarty, an advisor at FSR Wealth, who generates the emotional high points! (You just have to listen really, really closely …)In the meantime, if you’re stashing earned income in an IRA-type retirement account, you’ll want to know all about the implications of a new and evolving law w...
2022-09-14
26 min