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Relax, It’s Retirement PodcastRelax, It’s Retirement PodcastRetire with Intent: The True Intent Planning System™ Explained (Ep. 96)Retirement isn’t just an end, it’s the beginning of everything you’ve always wanted to do.  What if you could approach this next chapter with purpose and confidence, not just hope?  In this episode, Josh Leonard breaks down the True Intent Planning System and its five pillars for a purposeful retirement. He emphasizes the importance of planning for income, investments, taxes, healthcare, and estate matters, and discusses real-life stories and practical tips for retirees. Josh discusses: Optimizing income streams in retirement, including Social Security, pensions, annuities, and bridging any income gaps Str...2025-07-2329 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow Recent Retirement Laws May Affect Your Future (Ep. 95)New laws have reshaped retirement planning, and staying informed could mean the difference between saving money and paying avoidable taxes. In this episode, Josh Leonard explains the impact of Secure Act 1.0 and 2.0 on retirement planning and why constant plan updates are necessary. He highlights how changes to RMD ages, IRA rules, and Medicare surcharges can affect retirees, especially those who have saved diligently.  Josh also shares practical strategies to prepare for the evolving legal environment without overreacting to proposals. Josh discusses: Changes from Secure Acts 1.0 and 2.0, including increased RMD ages and IRA c...2025-07-0230 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastPine Valley Camp: Building Futures, One Child at a Time (Ep. 94)Retirement can be a time of reflection and purpose, where intentionality meets impact. What if your golden years were not just for relaxation but a journey to uplift others while enriching your own life? This episode reveals how retirement and service can harmoniously coexist. In this episode, Josh Leonard speaks with Matthew Reichart, Executive Director of Pine Valley Camp, and Julie Saenz about how retirees can embrace their next chapter by giving back. They explore the transformative power of service, the joys of community involvement, and the lasting impact of shaping young lives through Pine...2025-06-1149 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastCan I Retire This Year? (Ep. 93)Market swings, inflation, and shifting headlines can make retiring this year feel uncertain. But with the right plan, you don’t need to delay your goals — even in a tough market. Are you prepared financially and mentally for what comes next? In this episode, Josh Leonard shares how to build a flexible retirement strategy that can weather short-term challenges while aligning with your values and lifestyle. He covers tax-efficient tactics, managing income, and finding purpose beyond work. Josh discusses: How the three-bucket system helps reduce stress about timing your retirement Why proper plan...2025-05-2126 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastShould You Buy, Lease, or Hold? Car Buying Decisions in Retirement (Ep. 92)Buying a car can be exciting, but it can also be financially confusing, especially as you enter retirement. How do you decide between leasing, buying new, or buying used? What financial factors should retirees consider before making a vehicle purchase? In this episode, Josh Leonard guides listeners through the key financial and personal considerations when choosing a new vehicle in retirement. He compares leasing with buying, discusses the impact of interest rates, and shares tips to make smarter purchasing choices without breaking the budget. Josh discusses: The pros and cons of buying...2025-05-0735 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastRetirement Resilience: How to Protect Your Plan in a Volatile Market (Ep. 91)Worried about market volatility and what it means for your retirement?  You’re not alone. Many people get anxious when their retirement accounts seem to shrink after years of growth. In this episode, Josh Leonard discusses market volatility and strategies to remain patient. Josh explains what market corrections are, why they happen, and how to prepare for them. He also details the bucket strategy, a method to help individuals handle financial uncertainties without making rash decisions. Josh discusses: Navigating market volatility with long-term plans Understanding market corrections and identifying opportunities The importance of...2025-04-1522 minProductivity SmartsProductivity SmartsProductivity Smarts 097 - BE THE WEIGHT BEHIND THE SPEAR with Dr. Josh McConkeyLeadership isn’t built in boardrooms—it’s forged in the ER, on combat missions, and in the quiet moments when no one’s watching. In this high-impact episode of Productivity Smarts, host Gerald J. Leonard sits down with Dr. Josh McConkey—emergency physician, U.S. Army Colonel, and author of Be the Weight Behind the Spear. Drawing from 23 years of military leadership and frontline medicine, Dr. McConkey reveals how his "weight behind the spear" philosophy can transform passive contributors into high-performance leaders, even in chaotic environments. From harrowing Iraq war stories to the ER’s opioid cri...2025-04-1532 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastSpring Clean Your Finances: 5 Essential Tips for a Fresh Start (Ep. 90)Are your finances due for a little spring cleaning? Just like airing out your home after winter, it’s time to dust off your financial strategy! Join Josh Leonard as he dives into five key tips for a fresh start this spring. He explores ways to tidy up old retirement accounts, refresh your financial planning outlook, and manage risk in a market full of surprises. Josh covers: Consolidating outdated retirement accounts to cut down on fees and overlap Reviewing and updating your financial strategy to ensure income sufficiency Assessing investment risks and considering portfolio ad...2025-04-0127 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAvoiding the Good Saver Tax Problem with Proactive Planning (Ep. 89)Could saving smart lead to a tax nightmare?  Join Josh Leonard as he unravels the unexpected “Good Saver Tax Problem” that even the most prepared might face. Josh explores strategies to sidestep surprise tax burdens during retirement. Dive into proactive approaches like phase-based tax stacking and unravel the complexities of Roth conversions, Required Minimum Distributions (RMDs), and the interplay between social security and taxes. Through real-life scenarios, gain clarity on navigating these financial challenges. Josh discusses: The phases of the “Good Saver Tax Problem” How tax stacking can unexpectedly raise brackets ...2025-03-1120 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastUnpacking Social Security Changes (Ep. 88)Social Security remains a critical foundation for retirement, but recent changes bring new opportunities and challenges for retirees. What strategies can maximize your Social Security benefits? How do recent legislative changes impact your retirement income plan? In this episode, Josh Leonard explains the updates to Social Security regulations, including the removal of provisions like WEP and GPO, and their potential impact on retirees. He also shares actionable strategies to optimize benefits and maintain a stable financial future. Josh discusses:  How Social Security benefits are calculated and ways to maximize them based on r...2025-02-1819 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastPlanning Ahead for Retirement (Ep. 87)Retirement should be a time of fulfillment, not financial stress, yet many retirees face unexpected challenges. How can you make decisions today that your future self will thank you for? What steps can you take to avoid common retirement regrets and financial pitfalls? In this episode, Josh Leonard and Pete Belcastro discuss essential retirement planning strategies, from managing healthcare costs to optimizing tax efficiency. They emphasize the importance of flexibility, debt management, and long-term financial preparedness to ensure a comfortable and intentional retirement. Josh and Pete discuss: The top financial concerns of...2025-02-0432 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastConquering Retirement Fears with Confidence (Ep. 86)Retirement is a time for celebration, but it often brings up important concerns about money, health, and purpose.  How can you prepare to enjoy this new chapter with peace of mind? In this episode, Josh Leonard and Pete Belcastro discuss actionable steps to overcome common retirement fears, from financial security to finding joy and meaning … Read More Read More2025-01-2125 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastThe Diversification Dilemma: Are Your Investments Really Safe? (Ep. 85)Diversification isn’t just a buzzword—it’s a critical tool for protecting your retirement savings and future security. This week, Josh Leonard and Pete Belcastro tackle common misconceptions about diversification and share actionable insights on creating a retirement plan that minimizes risk and maximizes opportunities. From portfolio strategies to tax diversification and financial tools, this episode has … Read More Read More2025-01-1430 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMastering the Tax Triangle (Ep. 84)What do taxes and retirement have in common with your happiest Saturday?  In this episode of Relax, It’s Retirement, Josh Leonard invites you to unravel the often confusing world of taxes as you approach your golden years. He dives into the “tax triangle” strategy, offering a simplified perspective on how to categorize your assets for … Read More Read More2025-01-0723 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastThe Five Worlds of Money in Retirement (Ep. 83)Are you prepared for the five worlds of money in retirement?  In this episode of “Relax, It’s Retirement,” Josh Leonard explores the distinct but interconnected areas crucial to a successful retirement plan. He dives into income planning, investment strategies, the importance of health and legacy planning, and of course, those pesky taxes. With real-life examples … Read More Read More2024-12-3122 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastSetting Goals for a Purposeful Retirement (Ep. 82)Goal setting isn’t just for your career—it’s essential for creating an intentional and fulfilling retirement. What goals will keep you engaged, active, and satisfied as you transition to this next chapter? How do you plan for a successful financial and personal journey during retirement? In this episode, Josh Leonard recaps his personal and professional goals … Read More Read More2024-12-2427 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMaking the Most of Holiday Giving in Retirement (Ep. 81)Giving is a joyful part of the holiday season, and retirement offers unique opportunities to make it meaningful. How can retirees balance financial, personal, and charitable giving during the holidays? How can creative and intentional choices enhance the spirit of giving? In this episode of Relax, It’s Retirement, Josh Leonard and Pete Belcastro discuss strategies … Read More Read More2024-12-1727 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastWhat Kills a Bull Market? Factors that Could Trigger the Next Recession (Ep. 80)What happens when market emotions take over your retirement planning? Josh Leonard and Pete Belcastro tackle the rollercoaster ride of market trends and how you can prepare for those inevitable twists and turns. They explore the intricacies of bull and bear markets and how these fluctuations impact your financial strategies for retirement. They discuss critical … Read More Read More2024-12-1031 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastThe Best Moments: Top Retirement Insights from The Relax, It’s Retirement Podcast! (Ep. 79)Retirement planning can feel overwhelming, but the right strategies can make it smooth and intentional. How do you structure finances to ensure your money lasts while enjoying the lifestyle you want?  This episode compiles the best retirement advice moments from Josh Leonard and his team, covering vital tips to plan your golden years with confidence.  … Read More Read More2024-12-0329 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastKnow What You Owe: Essentials for a Secure Retirement (Ep. 78)Are you aware of what you truly owe, and more importantly, own in your financial portfolio?  Join us in this episode of Relax, It’s Retirement, where Josh Leonard and Pete Belcastro dive into the nitty-gritty of financial awareness and planning.  Do you really understand how balancing debts and assets can pave a way for a … Read More Read More2024-11-2631 minRelax, It’s Retirement PodcastRelax, It’s Retirement Podcast5 Key Tax Opportunities to Capture Before Year-End! (Ep. 77)Are you making the most of your year-end tax planning?  In this episode, Josh Leonard dives into effective year-end tax planning strategies to maximize your savings. Prepare for an insightful discussion on Roth conversions, tax loss harvesting, and charitable giving.  Learn how to navigate potential tax pitfalls and make informed financial decisions before the calendar … Read More Read More2024-11-1924 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow to Safeguard Your Identity in Retirement (Ep. 76)Are you protecting yourself from the growing threat of identity theft, especially as you near retirement? This week on Relax, It’s Retirement, Josh Leonard sits down with Angela Ferrante, Leonard Advisory Group’s in-house expert on identity theft, to shed light on this pressing issue. They delve into the methods used by scammers to target older … Read More Read More2024-11-1229 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastManaging Job Loss on the Path to Retirement (Ep. 75)What happens when an unexpected job loss disrupts your retirement plans?  In this episode of Relax, It’s Retirement, Josh Leonard and Pete Belcastro delve into strategies for navigating the economic and emotional turbulence of being laid off near retirement.  They offer essential tips on managing finances, addressing healthcare needs, and maintaining a positive outlook during … Read More Read More2024-11-0528 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastFinancial Planning Strategies to Avoid Costly Mistakes (Ep. 74)Feeling empowered in retirement requires careful planning to avoid unnecessary costs and maximize enjoyment.  Are you prepared to handle debt, taxes, and big life changes in retirement?  Learn how financial strategies can help you manage taxes, pay down debt, and even enjoy your golden years worry-free. In this episode of Relax, It’s Retirement Josh Leonard … Read More Read More2024-10-2925 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMaximizing Charitable Giving in Retirement (Ep. 73)Charitable giving can be a powerful part of your retirement, and it’s about more than just donations—it’s about making a lasting impact with your finances. How do you ensure your giving is intentional and efficient? What strategies can help you make the most of your contributions without incurring unnecessary taxes? Join Josh Leonard and Pete … Read More Read More2024-10-2228 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastKey Strategies to Maximize Your Medicare Benefits (Ep. 72)When was the last time your reviewed your Medicare plans? In this episode of *Relax It’s Retirement*, host Josh Leonard sits down to discuss the ins and outs of Medicare open enrollment. As the leaves turn and the air gets crisper, it’s the perfect time to cozy up and ensure you’re prepared for the year … Read More Read More2024-10-1524 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMarket Shifts: How to Stay Informed and Prepared (Ep. 71)As inflation cools, new questions arise about the market’s direction and future economic trends. How will the Fed’s decisions on interest rates affect your investments? Can the economy withstand reduced inflation without entering a recession? This week, Josh Leonard and Pete Belcastro dive into the significant shift of investor concerns from inflation to other economic … Read More Read More2024-10-0820 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastOvercoming Retirement Fears During Election Season (Ep. 70)Election seasons often bring a wave of anxiety, especially for those nearing retirement. How do you prepare for potential economic shifts without succumbing to fear? How can you ensure your retirement plan remains robust regardless of political outcomes? In this episode of Relax, It’s Retirement, Josh Leonard explores how the election results could potentially affect … Read More Read More2024-10-0138 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastCapital Loss Harvesting vs. Capital Gain Harvesting: What’s Right for Your Retirement? (Ep. 69)Are you maximizing the potential of capital gains and losses in your retirement planning? This week, Josh Leonard and Pete Belcastro dive into the often-overlooked strategies of capital gain and loss harvesting. You’ll learn the essential differences between capital loss and capital gain harvesting, why timing and tax brackets play a crucial role in your … Read More Read More2024-09-2426 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastPutting Time on Your Side in Retirement (Ep. 68)Time can still be on your side even in retirement! In this episode, Josh dives into the fascinating dynamics of time and retirement planning. You’ll learn how to maximize your retirement years by leveraging the power of compounding interest, making strategic investment decisions, and using financial tools like annuities and HSAs to ensure your money … Read More Read More2024-09-1728 minRelax, It’s Retirement PodcastRelax, It’s Retirement Podcast6 Ways to Travel on a Budget in Retirement (Ep. 67)Ready to make your dream retirement travel a reality without breaking the bank? In this episode, Josh Leonard guides you through six effective strategies for budget-friendly travel during retirement. Learn why flexibility is crucial, how to use points and miles effectively, and the surprising alternatives to traditional accommodations. This is your roadmap to financially savvy … Read More Read More2024-09-1032 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastOvercoming Obstacles With Grit, Endurance & Family Support (Ep. 66)Are you ready to hear a story about grit, teamwork, and the unexpected turns that can define your journey, whether it’s a race or your retirement plan? In this episode, Josh recounts his recent journey of conquering the Leadville MTB 100 in the Colorado Rockies, with the invaluable support of his wife Yana Leonard, CIA, … Read More Read More2024-09-0347 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastPlanning for an Early and Intentional Retirement (Ep. 65)What if you could retire earlier than you think? In this episode, Josh Leonard and Pete Belcastro dive into the concept of early retirement with the FIRE (Financially Independent, Retire Early) movement, a lifestyle choice emphasizing extreme savings and smart investments. They provide information about how adopting frugality and strategic financial planning can help set … Read More Read More2024-08-2724 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastEstate Planning Essentials (Ep. 64)You can protect your loved ones and legacy as you transition into retirement by estate planning. Today on Relax, It’s Retirement, host Josh Leonard, and Pete Belcastro dive into the often overlooked but crucial aspect of retirement planning: estate planning. They talk about how to effectively prepare your essential estate documents, avoid the drawbacks of … Read More Read More2024-08-2027 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow to Choose the Best State for Your Retirement (Ep. 63)Where should you retire? Your perfect place could be closer than you think. Let’s take a look at some factors that could make or break your retirement decision. Today on Relax, It’s Retirement, Josh Leonard and Pete Belcastro talk about what truly makes a state great for retirement. They dissect a recent study listing the … Read More Read More2024-08-1327 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastNavigating RMD Changes for Your Retirement Plan (Ep. 62)Why does the government force you to take money out of your retirement accounts, even if you don’t need it? In this episode or Relax, It’s Retirement, Josh Leonard and Pete Belcastro dive  into the intricacies of Required Minimum Distributions (RMDs) and explain why they are a crucial aspect of retirement planning. Together, they cover … Read More Read More2024-08-0627 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHealthcare Costs in Retirement: Strategies to Manage Your Expenses (Ep. 61)Are you struggling to navigate the maze of Medicare and healthcare costs in retirement? In this episode, Josh Leonard and Pete Belcastro delve into the complexities of healthcare planning for retirees. They discuss understanding Medicare, evaluating different health plans, and the critical steps to prevent unexpected medical expenses. Josh and Pete share valuable insights into … Read More Read More2024-07-3031 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastBreaking Financial Rules (Ep. 60)Are you ready to break some financial rules to optimize your retirement planning? Today, we’re challenging the rules of retirement planning to see when breaking them might actually be in your best interest. In this episode, Josh Leonard and his partner in crime, Pete Belcastro dive into five conventional financial rules that many believe are … Read More Read More2024-07-2329 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastLongevity in Retirement: Planning for the Long Haul (Ep. 59)Are you ready to make your retirement last for the long haul? In this episode of Relax, It’s Retirement, Josh Leonard and Pete Belcastro discuss the importance of longevity in retirement. They cover strategies for structuring your assets to ensure they last, the importance of tax planning, and tips for maintaining an active and fulfilling … Read More Read More2024-07-1626 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastFrom Farm Life to Financial Freedom: A Retirement Story with Chuck Glenz (Ep. 58)Have you ever found yourself curious about how some folks manage to live their retirement years to the fullest? This week on Relax, It’s Retirement, Josh sits down with Chuck Glenz, a long-term client and family friend, to discuss Chuck’s unique and insightful journey through life and retirement. You’ll learn practical advice on retirement planning, … Read More Read More2024-07-0934 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastConnecting Community and Retirement Through Art with Tami Fauver (Ep. 57)Art isn’t just for galleries – it’s a powerful tool for enriching your retirement experience. Have you ever thought about how art could transform your retirement?  Today on Relax, It’s Retirement, Josh introduces Tami Fauver, the Executive Chief and Curator at Krasl Art Center. They explore the dynamic intersection of the arts and retirement and … Read More Read More2024-07-0235 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastFOMO in Retirement Planning, Explained (Ep. 56)Are your financial decisions driven by a fear of missing out (FOMO)? Get ready to conquer your retirement planning with confidence and ease. Today on Relax, It’s Retirement, Josh Leonard and Pete Belcastro discuss retirement planning with a focus on overcoming the fear of missing out (FOMO) and making informed decisions for a secure financial … Read More Read More2024-06-2531 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastRetirement Planning: Preparation, Adaptability & Doing Hard Things (Ep. 55)What does it take to truly conquer life’s toughest challenges and apply those lessons to your retirement? This week on Relax It’s Retirement, Josh Leonard and Pete Belcastro dive into the topic of “doing hard things” and how taking on challenges can prepare you mentally and emotionally for retirement. Josh shares an inspiring anecdote about … Read More Read More2024-06-1731 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow to Save for Retirement 101 (Ep. 54)Ever wondered how to effectively save for retirement without missing out on the joys of life today? Today on Relax, It’s Retirement, Josh Leonard shares invaluable tips about optimizing your savings strategy during the accumulation phase of your finances. Whether you’re just starting or looking to refine your approach, this episode demystifies the order of … Read More Read More2024-06-1126 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastIs Social Media Misleading You on Finance? (Ep. 53)Are you being hoodwinked by financial advice on social media? In today’s episode of Relax, It’s Retirement, Josh Leonard delves into the murky waters of financial advice on social media platforms. With special attention on the credibility of so-called financial influencers, or ‘finfluencers,’ Josh unpacks the allure of simplicity in managing finances that social media … Read More Read More2024-06-0422 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAre You Ready to Retire? (Ep. 52)Are you ready for retirement? How much money do you need to ensure your golden years are truly golden? Today on Relax It’s Retirement, Josh Leonard and Pete Belcastro address essential considerations for anyone nearing retirement. From understanding the right time to retire to strategically managing retirement income, this conversation aims to equip you with … Read More Read More2024-05-2833 minThe Thoughtful EntrepreneurThe Thoughtful Entrepreneur1919 - Exploring Franchise Ownership with Liz LeonardIn this episode of the Thoughtful Entrepreneur, your host Josh Elledge speaks to a Franchise Consultant, Author and Founder of Your Franchise Fast Pass, Liz Leonard. Liz Leonard presents a realistic perspective and deep expertise to those interested in franchise ownership. She shares insights and lessons from her conversation with a journalist, offering potential game-changers for aspiring franchisees.Liz's journey from education to franchise industry ownership is intriguing and informative. Her background in education uniquely prepared her for the complexities of business and franchise management. Liz discussed her experiences with franchise ownership, which sharpened her b...2024-05-2319 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastDecoding Life Insurance for Retirees: Is It Essential? (Ep. 51)How does life insurance fit into your retirement plan? Is life insurance still relevant in retirement? This week on Relax It’s Retirement, Josh Leonard and Pete Belcastro discuss whether or not life insurance is necessary in retirement. They cover four main reasons to own life insurance in retirement: covering debts, preserving family assets, covering long-term … Read More Read More2024-05-2122 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMastering Financial Literacy in Your Golden Years: Part 2 (Ep. 50)Transitioning into retirement could feel just as sunny and relaxed as a perfect summer day, but like spending a day in the sun, you’ve got to plan for all weather factors when it comes to retirement or risk feeling a little burned. Today on Relax, It’s Retirement, Josh Leonard and Pete Belcastro delve into part … Read More Read More2024-05-1431 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastBuilding a Legacy Through Smart Retirement and Giving Strategies with Jack Miller (Ep. 49)Many believe that impactful philanthropy is exclusive to the ultra-rich. However, strategic charitable giving is accessible to a wide range of donors. In this episode, Josh Leonard is joined by philanthropy expert Jack Miller, principal of Miller Consulting, for a conversation about how strategic charitable giving can be a cornerstone of your financial planning and … Read More Read More2024-05-0737 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMastering Financial Literacy in Your Golden Years (Ep. 48)Are you ready to greet retirement with a well-prepared smile? Welcome to the Relax, It’s Retirement podcast, where we dive into mastering financial literacy in your golden years. This episode, featuring Josh Leonard and Pete Belcastro, zooms in on transitioning into retirement with intent. They explore practical tips for income and budget planning in April’s … Read More Read More2024-04-3029 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMaking an Impact with Donor-Advised Funds ft. Daffy.org CEO Adam Nash (Ep. 47)Are you struggling to navigate the complexities of charitable giving and tax planning for retirement? Let us introduce you to Daffy! Josh Leonard and his guest, Adam Nash, co-founder and CEO of Daffy.org dive into the world of donor-advised funds, money decisions, and much more on this engaging episode of Relax It’s Retirement. They address … Read More Read More2024-04-2342 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMaximize Your Retirement: 3 Reasons to Consider Roth Conversions (Ep. 46)Are you looking to maximize your tax bracket and secure a stress-free retirement? You might want to consider adding Roth conversions to your retirement plan. Josh Leonard and Pete Belcastro dive into the world of Roth conversions, discussing three key scenarios when converting to a Roth IRA might benefit your retirement plan with a focus … Read More Read More2024-04-1623 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastJuggling Retirement & College Debt with Dan Cieniewicz (Ep. 45)Are you nearing retirement but still burdened with your kid’s college debt payments? Discover how you can potentially cut those payments in half with The College Dude. Today on Relax, It’s Retirement, Josh Leonard and Dan Cieniewicz, CFP®, CCFC, CSLP®, a.k.a. The College Dude, delve into the world of managing Parent PLUS loans to balance … Read More Read More2024-04-0933 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastNavigating Financial Storms: Lessons from Market Meltdowns (Ep. 44)Have you ever wondered how quickly the stock market can plunge into a bear market and the impact it has on your investments? Join Josh Leonard and our Pete Belcastro, as they delve into three significant market crashes in history, including the 1929 stock market crash, Black Monday in 1987, and the recent COVID market … Read More Read More2024-04-0233 minOnes ReadyOnes ReadyEp 306: Chief Master Sergeant Josh LeonardSend us a textWelcome back to the team room! Chief Master Sergeant Josh Leonard is returning for his second episode with a lot of updates from Washington, D.C.In this conversation, Chief Master Sergeant Josh Leonard talks about his experience working on the Hill and his transition back to the Pentagon. He highlights the importance of relationships and bipartisanship in Congress, discusses the challenges of passing legislation, and emphasizes the value of experience over education. He also stresses the need for better communication between different levels of leadership.Chief Leonard, Peaches...2024-04-021h 03Relax, It’s Retirement PodcastRelax, It’s Retirement PodcastEmpowering Women in Retirement: The Legacy of Barbara Hillary (Ep. 43)What’s your retirement adventure? Meet Barbara Hillary, the trailblazer who set foot on the North Pole at 76. Let’s explore her remarkable story! In this special Women’s History Month episode, Josh Leonard and Yana Leonard, CIA, MBA, Director of Finance, share the incredible life story of Barbara Hillary, an inspiring woman who challenged herself to … Read More Read More2024-03-2627 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAre Behavioral Biases Affecting Your Retirement Planning & Investment Decisions? (Ep. 42)Have you ever found yourself making financial decisions based on instinct rather than informed choices?  In this episode, Josh Leonard talks about five common behavioral biases that can influence financial decision-making. He addresses loss aversion, confirmation bias, herd mentality, overconfidence, and anchoring bias, illustrating each with real-world examples. He also discusses the influence of laziness … Read More Read More2024-03-1925 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastRetirement Success Through Discipline and Goal-Setting with Pete Belcastro, CFP® (Ep. 41)In a world filled with distractions and temptations, discipline stands as a beacon of consistency and success, guiding us toward our goals and aspirations. Whether in financial planning, health routines, or personal growth, discipline forms the foundation for long-term achievement and fulfillment. Today on Relax, It’s Retirement, Josh and Pete Belcastro, CFP®, talk about discipline … Read More Read More2024-03-1231 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastDon’t Let Taxes Crash Your Party – How to Maximize Your Tax Savings with Pete Belcastro, CFP® (Ep. 40)Tax time is near. Nobody wants to pay taxes, but we have to, so let’s talk about how we can maximize our tax savings. In this episode, Josh Leonard and Pete Belcastro, Financial Planner at Leonard Advisory Group, talk about tax planning. They share tips for filing taxes this year and some ways to help … Read More Read More2024-03-0531 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastNavigating Life’s Twists and Turns: A Candid Conversation with Yana Leonard | Family, Finance, and More (Ep. 39)Have you ever wondered how successful couples navigate the challenges of marriage, parenthood, and career? Meet Yana Leonard, CIA, MBA, a key member of the team at Josh Leonard Advisory Group, as she steps into the spotlight in this episode of Relax, It’s Retirement. Today, Josh introduces his wife, Yana Leonard, CIA, MBA, Director of … Read More Read More2024-02-2741 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastNavigating Post-Employment 401(k) Options (Ep. 38)What are the long-term impacts of keeping your 401(k) with a former employer versus rolling it over to an IRA or a new employer’s plan? How can the benefits of IRA rollovers and Roth conversions influence your decision for penalty-free withdrawals? Josh Leonard explores the advantages and disadvantages of maintaining the 401(k) with a past … Read More Read More2024-02-2027 minEcomm BreakthroughEcomm BreakthroughUntold Secrets To Achieve Eight-Figure Business Domination With Ben LeonardBen Leonard is the Co-founder of Ecom Brokers, a premier e-commerce brokerage firm based in the United Kingdom. As the Founder of Beast Gear, a renowned fitness brand offering a range of workout essentials, including skipping ropes, boxing gloves, and powerlifting belts, Ben epitomizes the millennial entrepreneur who transformed a passion project into a thriving global enterprise. Initially crafting his business in a makeshift office during spare moments, Ben has steered his venture from humble beginnings to a seven-figure success. Beyond his roles at Ecom Brokers, Ben is deeply engaged in cultivating brands and guiding aspiring entrepreneurs through his...2024-02-2044 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastThe Three-Bucket Strategy for Retirement Planning with Pete Belcastro (Ep. 37)Is your financial plan secure enough to last until retirement? How could dividing your income into separate groups help ensure your retirement income will last? Check out this episode as Josh Leonard and Pete Belcastro from the Leonard Advisory team explore the essential elements of retirement preparation. They delve into the “three baskets” strategy, which … Read More Read More2024-02-1327 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastSeven Steps to Successful Retirement (Ep. 36)Is your retirement plan set for a successful future? When was the last time you reviewed your plan and ensured it has been adapted for any life-changing events? Discover the seven key steps for achieving a fulfilling retirement with Josh Leonard. He touches on everything from crafting a budget and merging accounts to making savvy … Read More Read More2024-02-0623 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastBuilding Memorable Culture Moments at Work with Eric Leathem (Ep. 35)How do you build a connection with your work colleagues? How has your work culture helped with personal and professional growth? Listen in as Josh Leonard and his guest Eric Leathem, director of operations at Leonard Advisory, explore Eric’s career journey with Leonard Advisor – his entry, his exit and his return. They reveal the … Read More Read More2024-01-3029 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastManaging the Unpredictability in Market Predictions for Investment Planning with Pete Belcastro, CFP® (Ep. 34)Can current market predictions be as off the mark? How do long-term investment strategies and emotional management play into market unpredictability? How do unexpected market outcomes challenge current forecasts? Listen in as Josh Leonard and Pete Belcastro, Financial Planner at Leonard Advisory Group, dive into what the market’s been up to and look back at … Read More Read More2024-01-2333 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastRefine Your Financial Goals for Retirement with Lists (Ep. 33)Did you add financial goals to your New Year’s resolutions? What happens when those goals aren’t the best option for your financial plan but you don’t want to change them? Sticking to those goals could do more harm than good. Josh Leonard goes beyond the surface, addressing the intricacies of financial goal-setting and providing tangible … Read More Read More2024-01-1623 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAchieving and Setting Goals with Pete Belcastro, CFP® (Ep. 32)The New Year typically follows with New Year’s resolutions. What goals do you have for the New Year? And what strategies could help you to stay on track? Gear up for a power-packed New Year as Josh Leonard and Pete Belcastro from the Leonard Advisory team discuss their resolutions and success strategies! Dive into their … Read More Read More2024-01-0934 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow to Stay Safe and Have Fun Doing It with Angela Ferrante and Sam Rosenberg (Ep. 31)Do you take your personal safety seriously? What indicators could you be putting out, telling unsavory characters you are a vulnerable target? Discover with Josh Leonard, Angela Ferrante and their guest Sam Rosenberg, founder of Live Ready and the author of “Live Ready: A Guide to Protecting Yourself in an Uncertain World.” Sam debunks some … Read More Read More2023-12-2635 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAI’s Impact on Information Retrieval and Career Futures with Michael Laughlin (Ep. 30)Are you worried that technology could take over your job? You aren’t the first to feel this way. Whenever technology booms, fear of replacement creeps up. But have you considered the new jobs that this type of evolution opens up? Join Josh Leonard with his guest Michael Laughlin, head of the portfolio specialist team at … Read More Read More2023-12-1232 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastIs Your End-of-Year Financial Checklist Ready? (Ep. 29)The end of the year is the perfect time to take stock of your personal finances and make any adjustments that need to be made.  From catching up on retirement contributions to making charitable donations, you have a bit of time left to get everything in order before 2024.  In this episode, Josh Leonard explores … Read More Read More2023-11-2822 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow Can You Protect Yourself from Identity Theft and Fraud in Retirement? with Pete Belcastro, CFP® (Ep. 28)In this episode, Josh Leonard and Pete Belcastro, Financial Planner at Leonard Advisory Group, shine a light on a concerning topic that affects many retirees – identity theft and fraud. Join them as they unveil practical advice that acts as your shield against these modern-day threats. Discover the power of freezing your credit, regularly monitoring … Read More Read More2023-11-0727 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMeet the Newest Member of Our Team: Pete Belcastro, CFP® (Ep. 27)Get to know another puzzle piece that intertwines perfectly in the Leonard Advisory Group’s growing team… In this episode, Josh Leonard is joined by Pete Belcastro, Financial Planning Consultant at Leonard Advisory Group. Pete shares his journey from cold calling to becoming an investment banker and then a Certified Financial Planner. Pete also discusses his … Read More Read More2023-10-2423 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastCan You Harvest the “Fruit” of Volatility? (Ep. 26)Discover the secrets of wealth mastery as we unveil strategies that will work for you no matter what your portfolio looks like.  In this episode, Josh unravels essential strategies for navigating uncertain financial landscapes, drawing insights from the practices of the ultra-wealthy and astute investors. Starting with the importance of diversifying a portfolio to mitigate … Read More Read More2023-10-1024 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastEmpowering Families in Need: The Story of Christopher’s Kitchen (Ep. 25)When you’re in the hospital, the last thing you want to worry about is where your next meal is coming from. That’s the philosophy Christopher’s Kitchen bloomed from.  In this episode, Josh Leonard is joined by Leonard Advisory Group’s very own client and good friend, Carol Hesz. As an ambassador for Christopher’s Kitchen, a nonprofit … Read More Read More2023-09-2624 minThe Mental Golf ShowThe Mental Golf ShowMake Golf As Simple As Possible w/ Michael Leonard (Part 2)On this episode we’ve got part 2 of 2 of my conversation with Michael Leonard. We talk about: a different kind of goal for your round having a consistently detailed structure what it’s like to play q school as an amateur techniques to move on from bad shots what better players do that average players don’t playing your own game and being true to yourself And more You should walk away from this episode having a better mentality around leaning into your own game and not trying to be something you’re not. -----2023-09-1941 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow to Choose the Best Place to Retire (Ep. 24)Are you questioning whether you want to retire in your home state or venture into a different area during your golden years?  Josh Leonard explores the topic of the best places to retire, depending on an individual’s savings and personal preferences. He explains the important factors to consider when making the decision to relocate such … Read More Read More2023-09-1225 minThe Mental Golf ShowThe Mental Golf ShowExpect Bad Things To Happen w/ Michael Leonard (Wicked Smart Golf) - Part 1On this episode we’ve got Michael Leonard of Wicked Smart Golf. We’re going to be talking about - how to get into a good mental space before the round - why expecting bad things to happen is actually a good strategy - how to catch yourself when you’re going mentally off the rails - and more And this is just part 1 of 2, so stay tuned for more on the next episode with Michael. You’ll hear him talk about it but he quit his...2023-09-1234 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastHow Can You Prepare for the Rising Cost of College? with Dan Cieniewicz (Ep. 23)As your children get closer and closer to graduation, that education cheque is slowly becoming your reality.  In this episode, Josh Leonard is joined by Dan Cieniewicz aka The College Dude, to discuss all things saving for college. They emphasize the need for parents to come up with a budget and consider sources of funding … Read More Read More2023-08-2933 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastPractical Tips for Traveling (Ep. 22)Dreaming of world travel but unsure how to do it safely? In this episode, Josh Leonard dives into how you can transition into a retirement life filled with safe, intentional travel. Learn how to embrace the excitement of exploring new places while also ensuring your safety, health, and financial well-being. We’ll cover: Blending in and … Read More Read More2023-08-1525 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastAre You Thinking About Un-Retiring? (Ep. 21)Retirement just isn’t what it used to be.   In this episode, Josh Leonard discusses the concept of “unretirement” and finding a mission in the next phase of life. They challenge the conventional understanding of retirement, discussing the potential pitfalls, tax implications, and the emotional aspects of stepping away from a lifelong career. Josh unpacks: The … Read More Read More2023-08-0120 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastOvercoming Challenges and Achieving Goals (Ep. 20)We’ve got our very own IRONMAN 70.3 Steelhead accomplisher in the studio!  In this episode, Josh Leonard shares his experience completing a half ironman race. Despite facing thunderstorms and a delayed start, Josh was able to swim comfortably and exceed his expectations on the bike leg. He emphasizes the importance of focusing on what you’re … Read More Read More2023-07-1823 minRelax, It’s Retirement PodcastRelax, It’s Retirement Podcast5 Reasons to Ignore the Market When You Retire (Ep. 19)Are you worried about the market affecting your retirement plans? In this episode, Josh Leonard talks about five reasons to ignore the market when you retire. He explains each reason and emphasizes the importance of the corresponding retirement planning steps. But ultimately, it’s all about sticking to a long-term plan. Just like climbing a mountain, … Read More Read More2023-07-0626 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastImportant Life Lessons Learned: Father’s Day Edition With Bill Leonard (Ep. 18)Father’s Day is a great time of the year to reflect on some of the most important life lessons and skills you have learned over the years. In this episode, Josh Leonard invites a VERY special guest on the show, his father, Bill Leonard! Together they discuss some of the unforgettable life lessons and mindset-altering … Read More Read More2023-06-1328 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastTransitioning into Retirement with Jerome Myers (Ep. 17)Getting stuck doing the things that you’ve always done just because you’ve always done them is one of the biggest atrocities of life. We have an opportunity each day to make something new and you should make the most of it. In this episode, Josh Leonard brings on Jerome Myers to talk about one of … Read More Read More2023-06-0632 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMoney Meets Machine: The Impact of AI in Financial Services (Ep. 16)In a world where AI is slowly taking over our everyday lives, it is important to understand what exactly this technology is and how it may be beneficial to a number of different aspects of your life.  In this episode, Josh discusses new AI ventures such as Chat GPT and how some of our everyday … Read More Read More2023-05-2326 minThe Thoughtful EntrepreneurThe Thoughtful Entrepreneur1495 - The Next Hit Product with Gembah's Zack LeonardIn this episode of the Thoughtful Entrepreneur, your host Josh Elledge speaks to the Co-Founder of Gembah, Zack Leonard. Connecting with Zack Leonard from Gembah can benefit anyone who is an online seller or an e-commerce business owner looking to create, manufacture, or promote their products. Gembah provides an all-in-one platform for businesses to bring their products to market, from research and design to sourcing and manufacturing, as well as promotional and marketing services. The team of experts at Gembah works closely with each client to develop customized solutions that meet their specific ne...2023-03-2517 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastYour Recession Survival Guide (Ep. 13)Have you been in a sticky situation where you needed to pay a large amount of money but did not have liquid assets on hand? With price increases on basic necessary items, it is time to start thinking smarter, not harder.  In this episode, Josh Leonard outlines a number of saving strategies you can start … Read More Read More2023-03-1423 minRead & RepeatRead & RepeatEP29 Constellation Software Letters by Mark LeonardIn today’s episode, we'll be discussing the management philosophy and investment strategies of Mark Leonard, the CEO of Constellation Software. Over the years, Leonard has developed a cult following for his unique approach to acquiring mission-critical vertical software businesses, which has led to impressive 30% annualized returns for shareholders. Leonard's decentralized management style and his focus on aligning incentives with stakeholders have been key to Constellation's success, fueling their acquisition engine to complete 100+ deals per year. In this episode, we'll break down some of the key themes in his shareholder letters, drawing parallels with the CEOs from "The Outsiders". Wi...2023-03-0955 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastIncome Planning: When The Paychecks Stop (Ep. 12)What do YOU view as your most substantial asset that allows you to live the life you want to live on a daily basis? In this episode, Josh Leonard talks about the road you have to follow once your paychecks stop coming in. Is your life going to run the same? How do you feel … Read More Read More2023-02-2125 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastSecure Act 2.0: What does it mean for you? (Ep. 11)The Secure Act 2.0 was signed into place on December 23, 2022.  This opens several new strategies you can dip into, in order to save for your retirement and/or fund important goals such as education.  In this episode, Josh Leonard discusses the number of changes this act has brought forward to us so that we … Read More Read More2023-02-0720 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastLet’s Talk About Risk (Ep. 10)What is your biggest fear? Many times our fears don’t align with our biggest risks. Market risk has been on the top of everyone’s mind but that is not the only risk we need to worry about in retirement.  In this episode, Josh Leonard discusses what risks you should be wary of when preparing and … Read More Read More2023-01-1731 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastGoal Setting for the New Year (And How to Stay Accountable) (Ep. 9)New year, new you… At least until around March. Isn’t that always how it goes? Most of us set some goals but fall off the wagon not too long after. We get it. In this episode, Josh Leonard talks about the challenges of staying accountable and on track with your New Year’s resolutions. He shares … Read More Read More2023-01-0327 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastGifts of Financial Wisdom for Your Grandkids (Ep. 8)Looking for last-minute gift ideas for your Grandkids? Look no further! Although they might be looking for fun toys, it might be time to offer them the gift that keeps on giving; a solid financial foundation.  In this episode, Josh Leonard is joined by Bill Leonard, father and founder of the Leonard Advisory Group. As … Read More Read More2022-12-2024 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastClient Retirement Story: Cycling Across the USA with Al Miller (Ep. 5)Are you unsure what your retirement will look like? Finding new passions at an old age can be challenging but finding an activity that releases your serotonin like never before can jumpstart you into a fulfilling retirement, living out your days to the fullest. In this episode, Josh Leonard is joined by Al Miller, an … Read More Read More2022-11-0829 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastTricks and Treats for Retirement This Halloween Season (Ep. 4)As we get our front porches wrapped with spider webs and observe the leaves changing colors, it might be a good time to take one step forward in your retirement planning.  In this episode, Josh Leonard discusses some tricks and treats for retirement along with all the planning that goes into it as we head … Read More Read More2022-10-2525 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastMeet the Dream Team at Leonard Advisory Group with Bill Leonard, Angela Ferrante and Desiree Hoosac (Ep. 3)With the large number of clients under our belt, we pride ourselves in adapting and catering to any of our client’s needs, in any circumstances. This is why we work with trusted professionals, as well as other partnered firms such as AE Wealth Management and Morningstar Investment Management.  In this episode, Josh Leonard is joined … Read More Read More2022-10-1128 minRelax, It’s Retirement PodcastRelax, It’s Retirement PodcastA Father & Son Legacy: Meet the Leonards (Ep. 1)Retirement may pose many questions, but you can make the most of this next chapter of your life by preparing for it intentionally.  And you’re in the right place if you’re wondering how.  Introducing the Hello Retirement podcast with Josh Leonard. In this inaugural episode, Josh Leonard is joined by the father of the Leonard … Read More Read More2022-10-1129 minThe Student Success Show with Josh AshfordThe Student Success Show with Josh AshfordBuilding Confidence in Students w/ Leonard Webb - Episode23Leonard Webb, a self-proclaimed introvert, is building confidence in our students in the classroom and joins me for this episode. Learn how students can build their self confidence. We know that increasing confidence and self esteem are proven ways to reduce bullying. They aren't the only methods on "how to stop bullying" but they go a long way . Leonard gives you his story and how we went from lacking confidence, and being a victim of bullying, to coming into his own. Leonard is a full-time speaker that travels the country focusing on students in middle...2020-05-1418 min