Shows
Retire WellThe Frozen Pipe Theory: Why Your 401(k) Needs a Plan for the UnexpectedWhat is the biggest risk to your retirement?According to Josh Bretl, it is usually the thing you haven't even thought of yet.This week on Retire Well, Josh shares a sobering story about a neighbor's home ruined by a burst pipe while they were away for the winter.It's a powerful reminder that a solid retirement plan must account for more than just the good times.We also dive into the shifting world of retirement savings, exploring why your 401(k) was never actually designed to be a pension and how...
2026-03-1452 minRetire WellIs Your Retirement Bucket Leaking? Finding Clarity in the TransitionWalking into retirement can feel a lot like watching your child’s first dance.It's a mix of pride, nerves, and a lot of questions about what comes next.This week on Retire Well, Josh Bretl and Mark Elliott dive into the emotional and financial shifts that happen when you stop punching the clock.We talk about why your retirement strategy needs to change once you move from the "growth" phase to the "income" phase.Josh breaks down the common leaks in retirement buckets, from hidden tax traps to the reality of...
2026-03-0752 minRetire WellYour 401k Is Not a Retirement PlanRetirement is not built on one account. It is built on a strategy.In this episode of Retire Well, Josh Bretl shares a personal story about visiting his wife’s childhood neighborhood and uses it to highlight a powerful financial truth.There is more than one way to grow up, and more than one way to retire.Josh and Mark break down why a 401k is a tool, not a full retirement plan, how market volatility impacts real people, and why taxes, Social Security, and income timing matter more than most retirees realize....
2026-02-2152 minRetire WellMore Than a Number: What It Really Takes to Retire WellRetirement is not just about hitting a number. It is about stepping into a new season of life with clarity and confidence.In this episode of Retire Well, Josh Bretl and Mark Elliott explore what it truly means to be ready for retirement.From the financial basics of spending, income, and taxes to the emotional side of purpose, identity, and relationships, they walk through the four questions nearly every retiree asks:When can I retire?Have I saved enough?Will my money last?And will my loved ones be okay if something happens to...
2026-02-1452 minRetire Well074: How Much is Enough for Retirement? The Number Matters Less Than You Think.Retirement is often treated like a finish line. Josh Bretl sees it differently.In this episode of Retire Well, Josh and Mark Elliott unpack what retirement really means and why it has less to do with quitting work and more to do with freedom, flexibility, and cash flow.Josh shares a personal story about Chicago winters, unexpected family routines, and how small moments can turn into the most meaningful parts of life.That same idea carries into retirement planning. Listeners learn how to think beyond a magic number, focus on monthly income needs...
2026-02-0752 minRetire WellRetirement, Legacy, and the Big Conversations Families AvoidThis week on Retire Well with Josh Bretl, Josh and Mark Elliott tackle two of the most emotionally charged and misunderstood parts of retirement planning. Legacy decisions and reliable income.Josh opens the show with a personal story about his daughter Maggie’s first gymnastics competition, drawing a powerful parallel between preparation, effort, and enjoying the moment.From there, the conversation turns to why families avoid talking about inheritance and how clear planning and communication can remove stress for everyone involved.In the second half, Josh and Mark break down the real challenges fa...
2026-01-3152 minRetire WellDo I Really Have Enough? Turning Retirement Anxiety Into a Clear PlanRetirement brings freedom, but it also brings questions.In this episode of The Own Your Retirement Show, Josh Bretl and Mark Elliott explore why so many retirees feel uncertain about the future and what can actually restore confidence.Josh shares a recent family story from an indoor rock climbing gym that perfectly mirrors retirement itself. Pushing past fear, adapting to change, and trusting your footing as you move forward.The conversation then turns to important financial updates for 2026, including higher IRA and 401(k) contribution limits, changes to Medicare Part D, Social Security cost...
2026-01-2452 minRetire WellFrom a Vegas Magic Show to Market Logic: Finding Your Financial BalanceHave you ever looked at the price of a burger and wondered if you accidentally walked into a five star steakhouse?On this episode of Retire Well, Josh Bretl and Mark Elliott dive into the reality of rising costs and why a plan that worked in the nineties might be running out of gas today.Josh shares some fun stories from a recent family trip to Las Vegas and explains how a magician’s performance actually relates to your financial strategy.We talk about the speed limit of your portfolio: are you driving 80 mi...
2026-01-1752 minRetire WellWrigley Field to Retirement Income. A Plan That Feels ComfortableOn this episode of Retire Well, Josh Bretl and Mark Elliott dig into what most people really mean when they say they want a “comfortable retirement.”It turns out, it almost always starts with income.Josh shares personal stories, including childhood memories at Wrigley Field, to explain why meaningful experiences matter in retirement and why those experiences depend on having reliable income you can count on.The conversation breaks down the four pillars of a strong retirement plan. Income, protection, growth, and liquidity.Josh explains why no single financial institution can prov...
2026-01-1052 minRetire WellRetire Well, Live Fully. Why Wellment Financial Is More Than a New NameThis week on Retire Well, Josh Bretl pulls back the curtain on a big change with a very familiar purpose. The firm formerly known as FSR Wealth Strategies is now Wellment Financial, a name that better reflects what retirement planning is really about.Not just numbers, but clarity, confidence, and living fully in the years ahead.Josh shares the story behind the rebrand, the firm’s roots as a CPA practice started in 1988, and how it evolved into a retirement focused firm built on three pillars.Smart tax focused planning, managing your entire fi...
2026-01-0352 minRetire WellA Christmas Guide to Retirement ClarityRetirement 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...
2025-12-2052 minRetire WellRoth Moves, RMDs and Holiday Deadlines Made SimpleThis 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...
2025-12-1352 minRetire WellTaxes, AI, and Artemis: A Surprisingly Hopeful Look at the FutureIn 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...
2025-11-0852 minRetire WellAre 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...
2025-11-0152 minRetire WellWhy the 4% Rule Is Broken, and What Retirees Should Do InsteadRetirement 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...
2025-10-2552 minRetire WellWhat a Kids’ Book Taught Us About Retirement and LegacyWhat 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...
2025-10-1052 minRetire WellWhy Income Planning, and Not Gambling, Wins in RetirementThis 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...
2025-10-0452 minRetire WellLasagna, Legacy, and Lifetime Income: Designing a Retirement Worth SavoringJosh 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...
2025-09-2752 minRetire WellThe Retirement Storm: How to Face Rising Healthcare and Long-Term Care CostsRetirement 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...
2025-09-2052 minRetire WellGo-Go, Slow-Go, No-Go: Navigating Every Stage of Retirement with ConfidenceWhat 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...
2025-09-1352 minRetire WellAnnuities Uncovered: The Good, the Bad, and the MisunderstoodRetirement 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...
2025-09-0652 minRetire WellFrom Axolotls to Zoo Concerts to Interest Rates: Retirement Lessons That StickPlanning 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...
2025-08-3052 minRetire WellFrom Back-to-School Nerves to Retirement JittersBack-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...
2025-08-2352 minRetire WellIs 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...
2025-08-1652 minRetire WellPalm Trees & Pension Plans: A Christmas in July Retirement TalkThis 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.
2025-08-0952 minRetire WellFrom Sleepaway Camp to Retirement: Planning for the Long HaulWhat 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’...
2025-08-0252 minRetire WellThe Big Beautiful Bill: What Retirees Really Need to KnowCongress 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...
2025-07-1952 minRetire WellJosh vs. Gravity: What a Canadian Go-Kart Ride Taught Us About RetirementWhat 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...
2025-07-1252 minRetire WellFrom 90s Prom to Tax Reform: Retirement Lessons You Didn’t ExpectWhat 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...
2025-06-2852 minRetire WellFrom Birthday Parties to Tax Strategies: Real Talk for Real RetireesWhat 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...
2025-06-2152 minRetire WellFondue and Finances & Retirement Income BlueprintThis 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...
2025-06-0752 minRetire WellSocial Security, Making Your Money Work for You and Memorial DayThe "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...
2025-05-2452 minRetire WellTax Savvy Strategies & Cleaning Up 6 Common Myths About RetirementThis 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...
2025-05-1752 minRetire WellAvoiding Negative Thinking in Market UncertaintyThe "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...
2025-05-1052 minRetire WellFamily Expectations in Retirement, Annuities & Tips for a Happy RetirementIn 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...
2025-05-0352 minRetire WellMarket Volatility's Impact on Social SecurityIn 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...
2025-04-2652 minRetire WellCreating Dependable Retirement Income & Recent Market VolatilityIn 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...
2025-04-1952 minRetire WellPlanning 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...
2025-04-0552 minRetire WellNavigating Market Volatility and Hidden Retirement ObstaclesIn 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...
2025-03-2952 minRetire WellNavigating Retirement Amidst Market Volatility & Tax ChallengesIn 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...
2025-03-2252 minRetire WellPlanning for the Future of Taxes & Timeless AdviceIn 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...
2025-03-0152 minRetire WellBalancing Family and Finances - Planning for a Secure RetirementIn 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...
2025-02-2252 minRetire WellPreserving and Optimizing Your 401KIn 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...
2025-02-1552 minRetire WellRetirement Regrets and 2025-2026 Tax ImplicationsThe "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...
2025-02-0852 minRetire WellRetirement 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...
2025-02-0152 minRetire Well2025 Plans & Resolutions + The Twin Threats of Taxes & InflationThe "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...
2025-01-1852 minRetire WellBeing Forced Into an Early Retirement and the Retirement Naughty & Nice ListThis 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...
2024-12-2852 minRetire WellRisks in Retirement and Throwback to 1975The "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"...
2024-12-2152 minRetire WellFinancial Habits to Break and Four Questions About RetirementAny 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...
2024-12-1452 minRetire WellBitcoin, Investing and Retirement PlanningThis "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...
2024-12-0752 minRetire WellFamily, Finances and the Importance of Understanding the Value of Money in RetirementThe "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...
2024-11-3052 minRetire WellGrowing Government Debt and a Future with Potential Higher TaxesThe "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...
2024-11-2352 minRetire WellThe FSR Wealth Client Experience & Timeless AdviceThe "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...
2024-11-1652 minRetire Well023: Election Results Impact on Your Retirement & Balancing Your PortfolioThe "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...
2024-11-0952 minRetire WellWeddings, The Election, Social Security, End of Year Taxes and The Own Your Retirement ProcessThe "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...
2024-11-0252 minRetire WellRolling Over IRAs and Falling Interest RatesThe "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...
2024-10-2652 minRetire WellUncertainty Ahead of RetirementJosh 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.
2024-06-2252 minRetire WellThe Own Your Retirement Show with Josh Bretl - TrailerThe "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!
2024-06-0102 min
Retirement Equals FreedomAnnuities 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...
2023-07-0539 minRetirement Equals FreedomWhat’s Annuities Got to Do With It? - Part 1Annuities! 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...
2023-06-2135 minRetirement Equals FreedomChoosing the Right Retirement Financial Advisor: A Checklist for SuccessClarity. 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...
2023-06-0733 minRetirement Equals FreedomWhen 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...
2023-05-2434 minRetirement Equals FreedomWaking Up to Bank Failures and What It All MeansIt’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...
2023-05-1031 minRetirement Equals FreedomDe-Mystifying Medicare - Part 2Medicare. 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...
2023-04-2628 minRetirement Equals FreedomDe-Mystifying Medicare - Part 1Medicare 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...
2023-04-1234 minRetirement Equals FreedomFSR’s Mic Drop Mission Statement 2.0From 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...
2023-03-2231 minRetirement Equals FreedomTax 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...
2023-03-0832 minRetirement Equals FreedomDon’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...
2023-02-2238 minRetirement Equals FreedomSECURE 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...
2023-02-0138 minRetirement Equals FreedomFun 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...
2023-01-1836 minRetirement Equals FreedomYour 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...
2023-01-0431 minRetirement Equals Freedom028: 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...
2022-12-2135 minRetirement Equals Freedom027: 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...
2022-12-0730 minRetirement Equals Freedom026: 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.”...
2022-11-2333 minRetirement Equals FreedomFactoring 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...
2022-11-0929 minRetirement Equals Freedom024: 2022 Year-End Financial PlanningThey 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...
2022-10-2630 minRetirement Equals Freedom023: 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...
2022-10-1231 minRetirement Equals Freedom022: All About Inflation Fighting I BondsGuess 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...
2022-09-2827 minRetirement Equals Freedom021: 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...
2022-09-1426 min