Scott Dougan - Podcast Details

Shows

Your Retirement Elevated Podcast with Scott Dougan The Gray Areas That Actually Matter in Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. Scott pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas produces better outcomes. Here’s what we cover in this episode: 💸 Roth C...

2026-02-2626 min

Your Retirement Elevated Podcast with Scott Dougan Risk Tolerance: Preparing for Market Turbulence💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Some people love a thunderstorm, while others panic the moment clouds roll in. Markets work the same way and pretending you’re more comfortable with risk than you really can get expensive. Scott uses a weather lens to explain how preparation, not prediction, is what keeps retirement plans steady when volatility hits. When turbulence hits, preparation beats optimism every time. Here’s what we cover in this episode: 🌩️ The Forecast Isn’t the Weather - Why...

2026-02-1922 min

Your Retirement Elevated Podcast with Scott Dougan The Boat-Dragging Problem: How Old Strategies Can Hurt Your Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Most people don’t struggle in retirement because they made bad decisions, they struggle because they keep using the right tools for the wrong season. Scott shows how a simple story reveals why familiar strategies can quietly become obstacles over time. Inspired by a parable popularized by Sahil Bloom, the conversation reframes what real progress looks like later in life. Sometimes the hardest part of moving forward isn’t effort, it’s knowing what to finally set down.

2026-02-1118 min

Your Retirement Elevated Podcast with Scott Dougan 10 Common Retirement Myths And Why They’re Dangerous💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg There’s no shortage of retirement advice out there, but not all of it is helpful, and some of it can quietly do real damage. Today, Scott walks through 10 of the most common retirement planning myths and explains why relying on them can derail an otherwise solid plan. Before assuming something is “just how retirement works,” it’s worth taking a closer look. Here’s what we cover in this episode: 📚 The “Thick Plan” Fallacy...

2026-01-2916 min

Your Retirement Elevated Podcast with Scott Dougan An Economist Is Optimistic About 2026- Should You Be?💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg After a year marked by volatility, uncertainty, and more than a few economic curveballs, it’s understandable if optimism doesn’t come easily. Today, Scott discusses a Bloomberg opinion column that argues the outlook for 2026 may be brighter than many people expect. A strong economy might lift markets, but a strong financial plan is what helps people stay confident no matter how the headlines turn out. Here’s what we cover in this episode: 💸 Cons...

2026-01-2218 min

Your Retirement Elevated Podcast with Scott Dougan 2026 Financial Rule Changes You Can't Ignore💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg What’s new in 2026 for retirees and pre-retirees? Retirement rules are changing, and your future could look different in 2026. Tune in to discover what’s new and how the latest shifts might impact your financial strategy. Scott also shares what’s driving conversations on benefits, taxes, and smart savings moves. Here’s what we cover in this episode: 📅 2026 Updates – Key changes affecting retirees and pre-retirees 💸 COLA & Medicare – Benefit increases offset by rising premiums

2026-01-1514 min

Your Retirement Elevated Podcast with Scott Dougan The Hidden Cost of Emotional Investing (And How to Avoid It)💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Smart, successful people don’t lose money because they lack intelligence. They lose money because they’re human. In this episode, Scott goes in-depth about the hidden cost of emotional investing and why fear, greed, and headlines often derail even well-built plans. Drawing on behavioral economics and real-world examples, the conversation explains how emotions quietly erode long-term results and what actually works instead. Here’s what we cover in this episode: 🧠 Behavioral Traps: Why emot...

2026-01-0834 min

Your Retirement Elevated Podcast with Scott Dougan The IRS Just Announced 2026 Tax Changes💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg It’s official, the IRS has released the full set of 2026 tax numbers, and the changes may impact more than just your next return. Scott walks through what’s actually changed and how it may impact you and your future. The real opportunity isn’t just knowing the numbers, it’s knowing how to use them. Listen in to see how these updates can create meaningful planning advantages heading into 2026 and beyond. Here’s what we cover in...

2025-12-3116 min

Your Retirement Elevated Podcast with Scott Dougan New Trump Accounts Are Coming - Here’s How They Work💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg A new type of government-backed savings account for children, commonly referred to as a Trump Account, is set to launch in 2026, and it’s already drawing attention from parents and grandparents alike. The details are still being finalized but Tyler Moison, CFP® joins the show to walk through what we know so far, how these accounts work, and what questions still need to be answered. While this new program doesn’t replace thoughtful planning, it may beco...

2025-12-2216 min

Your Retirement Elevated Podcast with Scott Dougan Am I Behind In My Retirement Savings?💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg What if you retire with only $1 million… are you behind? That question fuels a lot of unnecessary anxiety, especially when comparisons creep in from coworkers, siblings, or YouTube success stories. In this episode, Scott breaks down what determines whether you’re on track for retirement, and why your number isn’t a competition. More importantly, he walks through what to do next if you really are behind. Here’s what we cover in this episode: ...

2025-12-1816 min

Your Retirement Elevated Podcast with Scott Dougan 5 Times You Should NOT Name Your Spouse as Beneficiary💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg How can naming your spouse as beneficiary create unintentional tax problems? Most people assume naming their spouse as the IRA beneficiary is the safest and simplest option, but Scott explains why that isn’t always true. In this episode, he walks through several real-life situations where choosing a spouse can unintentionally (and negatively) impact taxes, fuel family conflict, or even jeopardize government benefits. Here’s what we cover in this episode: 💰 When They Already Ha...

2025-12-1113 min

Your Retirement Elevated Podcast with Scott Dougan 5 Financial Advisor Red Flags You Can’t Ignore💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Most advisors are well-intentioned, but not all advisors are the right advisor for you. Scott breaks down the warning signs that often get overlooked when choosing—or staying with—a financial advisor. This conversation uncovers the habits, behaviors, and patterns that separate real planners from product-pushers and pretenders. It’s a straightforward guide designed to help you protect your money, trust your advisor, and feel confident in your long-term plan. And by the end, you’ll know t...

2025-12-0422 min

Your Retirement Elevated Podcast with Scott Dougan The Real Origins of Thanksgiving: More Than Just a Feast💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Thanksgiving has a much deeper story than the modern traditions we celebrate today. In this episode, Scott details how the holiday formed, who helped shape it, and why its meaning has shifted over time. It’s a reminder that gratitude, community, and shared purpose run through the heart of Thanksgiving, even as the holiday continues evolving. Here’s what we cover in this episode: 🦃 Origins of Thanksgiving: how the holiday’s earliest traditions came...

2025-11-2615 min

Your Retirement Elevated Podcast with Scott Dougan The 4% Rule…Revised: How Much You Can REALLY Spend in Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg For decades, retirees have based their spending on a simple idea: “The 4% Rule.” But new research, and even the rule’s original creator, suggests you may be able to spend significantly more without increasing your risk. Scott shares what’s changed, what still matters, and how to customize your safe withdrawal rate based on your goals, tax situation, and lifestyle. Here’s what we cover in this episode: 📜 Where It Started: the true history of the...

2025-11-2016 min

Your Retirement Elevated Podcast with Scott Dougan The Hidden 401(k) Feature That Could Change Your Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Retirement, as we know it, is a modern invention. But the very system designed to protect your future might now be holding you back. In this episode, Scott uncovers a powerful yet often hidden feature inside many 401(k) plans that can give you greater control, flexibility, and professional management, without moving a single dollar out of your account. Discover how unlocking it could completely change your retirement strategy. Here’s what we cover in this epis...

2025-11-1314 min

Your Retirement Elevated Podcast with Scott Dougan 3 Investment Worlds: Finding the Right Balance for You💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg When it comes to investing for retirement, not all dollars belong in the same place, or even in the same world. In this episode, Scott explains the concept of the Three Investment Worlds: Protection & Savings, Growth & Potential, and the Hybrid space that bridges the two. By the end, you’ll better understand how to position your money across these worlds based on your goals, timeline, and risk tolerance. Here’s what we cove...

2025-11-0612 min

Your Retirement Elevated Podcast with Scott Dougan 5 Steps for Tax-Free Roth IRA Distributions💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg You’ve worked hard to build up your Roth IRA, but one small mistake could turn “tax-free” income into a tax surprise. In this episode, Scott walks through the five essential steps to make sure your Roth IRA withdrawals remain completely tax and penalty-free. Follow the rules, track your timelines, and your Roth can become one of the most powerful tax-free tools in retirement. Here’s what we cover in this episode: 💡 Tax-Free Roth Rule...

2025-10-3014 min

Your Retirement Elevated Podcast with Scott Dougan Social Security’s 2026 COLA: What It Means for Your Retirement Income💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg This October, the Social Security Administration is expected to announce a 2.7% cost of living adjustment for 2026 now that sounds like good news, until you see what it really means in dollars and cents. Today, Scott breaks down what the new Cost of Living Adjustment (COLA) really means for you, and why rising Medicare premiums, taxes, and inflation can easily cancel out your “raise.” Here’s what we cover in this episode: 💵 The Real Raise: avera...

2025-10-2306 min

Your Retirement Elevated Podcast with Scott Dougan This Changes EVERYTHING About Retirement Spending💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg A groundbreaking JP Morgan study just revealed something that could completely change the way we plan for retirement. Scott breaks down three of the biggest surprises revealed by new data from 280,000 households, showing that retirement spending doesn’t rise in a straight line, but bends, dips, and shifts over time. Planning for real life and ditching the outdated assumptions will help you create more freedom and confidence in retirement. Three New Spending Surprises, JP Morgan 20...

2025-10-1610 min

Your Retirement Elevated Podcast with Scott Dougan The Retirement Equation: Control What You Can, Plan for What You Can’t💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Do you know which parts of your retirement plan are in your control, and which ones you’re leaving to chance? In this episode, Scott breaks down the “retirement equation,” a framework that helps you separate what you can control, what you can influence, and what’s completely out of your hands. Here’s what we cover in this episode: ➗ What the “retirement equation” really means 📊 Asset allocation & location, how to get them right 🕰...

2025-10-0916 min

Your Retirement Elevated Podcast with Scott Dougan Why Diversified Sources of Retirement Income Matter More Than You Think💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Saving for retirement is only half the battle, but the real challenge is turning those savings into income you can actually spend. The type of accounts you use will impact your taxes, your Social Security, and even your Medicare premiums. In this episode, Scott explains how spreading money across different account types can give retirees more control, more flexibility, and less tax stress. Here’s what we cover in this episode: 📊 How diversified b...

2025-10-0216 min

Your Retirement Elevated Podcast with Scott Dougan Fishing vs. Playing Tackle Box: How to Stop Over-Planning and Start Enjoying Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Imagine standing at the water's edge, eager to fish but instead obsessing over organizing your tackle box. Many retirees do the same with their finances, constantly adjusting their plan but never truly enjoying the fruits of their labor. In this episode, Scott explores a common pitfall many retirees fall into: the "tackle box trap." Over-planning might feel comfortable, but it often delays the very experiences you’ve been saving for. Here’s what we cover in th...

2025-09-2516 min

Your Retirement Elevated Podcast with Scott Dougan The 5 Must-Do’s In Year One of Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Well, you’re retired. Now what? Some people subscribe to the “first year rule” which says that the majority of your best retirement months will all take place in the first year of retirement. So how can you be strategic during that first year and set the tone in the right way, both emotionally and financially? In this episode, Scott breaks down the five must-do’s in year one of retirement that go far beyond just managing your p...

2025-09-1823 min

Your Retirement Elevated Podcast with Scott Dougan The $3 Million ERISA Trap: Are You Making This Retirement Mistake?💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Most people assume their beneficiary form tells the whole story when it comes to retirement accounts. But for 401(k)s and other ERISA-governed plans, one little known rule can completely override your wishes, and in one case, it shifted $3 million away from the intended heirs. This story is a powerful reminder that overlooking the fine print can cost your family dearly. Here’s what we cover in this episode: ⚖️ The Martinez case as a cautiona...

2025-09-1111 min

Your Retirement Elevated Podcast with Scott Dougan How to Avoid Early Withdrawal Penalties💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Thinking about tapping into your retirement savings early? The IRS might have a 10% surprise waiting for you. Withdrawing money before age 59½ from a traditional IRA or 401(k) can trigger not just regular income taxes, but also hefty penalties. In this episode, Scott explains the rules around early withdrawals and why understanding them can save you thousands. Here’s what we cover in this episode: 💸 The 10% IRS penalty trap explained ⏳ Why 59½ is the magic age...

2025-09-0414 min

Your Retirement Elevated Podcast with Scott Dougan How to Tell If You’re Actually Ready to Retire (3 Questions to Find Out)💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Retirement is one of the biggest financial decisions you’ll ever make, but how do you know if you’re really ready? While there are countless details that matter, Scott is boiling it down to make it simple. In this episode, he covers the three key questions you need to ask yourself to find out if you’re ready to hang it up without looking back. Can you confidently answer these three questions? If so, you might be ready...

2025-08-2817 min

Your Retirement Elevated Podcast with Scott Dougan 3 Ways Retirees Accidentally Overspend in Their First 5 Years (and How to Avoid It)💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg The first five years of retirement can shape your financial future more than any other stage. Overspending often isn’t about recklessness, it’s about good intentions made at the wrong time. In these early years, small choices can snowball into big setbacks, from home upgrades to long-awaited dream vacations. In this episode, Scott covers the three most common ways retirees overspend in the first five years, and how to avoid sabotaging your long-term security. Here’s wh...

2025-08-2118 min

Your Retirement Elevated Podcast with Scott Dougan Trump Accounts Explained: The New $1,000 Child Savings Benefit (And What Most Are Getting Wrong)💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg There's a brand-new savings account just for kids created by the One Big Beautiful Bill Act, and the media is already getting it wrong. It’s called the Trump Account, and it might just be the most misunderstood part of the new law. In this episode, Scott breaks down exactly what these accounts are, who qualifies, how contributions work, and the timelines parents and grandparents need to know. Here’s what we cover in this episod...

2025-08-1419 min

Your Retirement Elevated Podcast with Scott Dougan 3 Immediate Retirement Impacts from The New Tax Bill (OBBBA)The One Big Beautiful Bill Act (OBBBA) was passed in July and it’s already reshaping the retirement landscape, especially when it comes to tax strategy and account planning. In this episode, Scott breaks down the three biggest takeaways from the bill that directly impact your retirement accounts. From Rothification trends and expanded conversion opportunities to smarter ways to preserve income-based deductions, we’ll tell you what has changed and how to take advantage of it. Here’s what we cover in this episode: 🔁 Rothification is accelerating – More contributions and catch-ups will be pushed into Roth bucket...

2025-08-0713 min

Your Retirement Elevated Podcast with Scott Dougan Are You Winning or Losing in the Big Beautiful Bill?💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg The new tax bill just passed, but will it actually help you? Let’s look at who stands to benefit, who might lose out, and the strategic moves to consider now while the rules are fresh. Scott returns with a detailed breakdown of what the “Big Beautiful Bill” means for retirees, especially those over age 65. Plus, Scott offers a Big Beautiful Bill Readiness Checklist – a quick, powerful tool to help you spot tax-saving opportunities and see how the BBB may...

2025-07-3118 min

Your Retirement Elevated Podcast with Scott Dougan Adulthood Happens at 18, Ready or Not with Estate Planner Connor Kelley💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Sending your child off to college is a proud and emotional milestone, but many parents miss one crucial step. Once your child turns 18, you're no longer automatically allowed to access their medical or financial information, even if you’re still paying the bills. That means in an emergency, you could be sidelined when they need you most. Today, Scott talks with Estate Planning Attorney Connor Kelley to discuss the essential legal documents every young adult should have bef...

2025-07-2414 min

Your Retirement Elevated Podcast with Scott Dougan Debunking Myths Surrounding the Big Beautiful Bill💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg Have you heard the rumor that Social Security is now tax-free or that you’re getting a $40,000 deduction just for existing? Let’s clear up the myths and focus on what the new tax law actually did and what it didn’t. In this episode, Scott breaks down six of the biggest misconceptions swirling around the recently passed “Big Beautiful Bill.” Aimed especially at tax-aware retirees and pre-retirees, this conversation tackles what’s true, what’s exaggerated, and wha...

2025-07-1712 min

Your Retirement Elevated Podcast with Scott Dougan What The “One Big Beautiful Bill” Means For Your Retirement Plan💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg The headlines are loud, but the real opportunities are quieter. In this episode, Scott breaks down what the newly passed “Big Beautiful Bill” (BBB) actually means for retirees, pre-retirees, and business owners. We’ll tell you how this sweeping tax legislation opens new planning windows through 2028, with major implications for Roth conversions, tax bracket optimization, charitable giving, and small business depreciation. We’ll also provide clarification on key changes to the standard deduction, which includes a new...

2025-07-1034 min

Your Retirement Elevated Podcast with Scott Dougan The Five People You Meet Before Retirement💼 Want expert help in planning for your financial future? Apply for a consultation here 👉 https://calendly.com/erg-kc/introductory-phone-call-with-erg In the book The Five People You Meet in Heaven, each person the main character meets helps him understand his life in a new way. Today, Scott talks about the five people you should meet before retirement—people who can guide your next chapter and help you retire with clarity, confidence, and purpose. Think of it as casting the right crew for the most important chapter of your life, because who you surround yourself with could shape ho...

2025-07-0322 min

Your Retirement Elevated Podcast with Scott Dougan 11 Reasons People Choose Their Financial Advisor📋 Get Scott's 5 Critical Checkpoints in a Sound Financial Planning Process 👉 https://listentoscott.com/wp-content/uploads/2025/06/5-Critical-Checkpoints.pdf Choosing a financial advisor is one of the biggest decisions you’ll ever make, but why do people choose the advisor they do? In this episode, Scott walks through 11 of the most common reasons people hire an advisor, from gut-level trust to clear communication, behavioral coaching, and smart tax planning. This isn’t just a list, it’s a deeper look at what really matters when you’re picking someone to guide your life savings. Here’s what we cover in...

2025-06-2626 min

Your Retirement Elevated Podcast with Scott Dougan Retirement Breaking News: The 4% Rule Gets a MakeoverThe 4% rule gets talked about like gospel in retirement planning. But let’s be honest, it’s always been more of a rough guess than a golden rule. Now, its original creator is revising it to 4.7%. So, does that mean your retirement paycheck just got a raise, or is this just another headline that oversimplifies a complex decision? In this episode, Scott takes a closer look at what the 4.7% update really means. He walks through the origins of the rule, the risks of interpreting it as a green light to spend more, and why your real withdrawal rate...

2025-06-1912 min

Your Retirement Elevated Podcast with Scott Dougan Should You Gift Money While You’re Alive or Leave A Legacy?You’ve worked hard, saved well, and now you’re thinking about giving back—maybe to your kids, your grandkids, or a cause you care about. But should you wait and pass that wealth on later, or give while you’re still around to enjoy the impact? Let’s talk about how to make that decision with confidence. In this episode, Scott shares a thoughtful 4-step process to help you navigate one of the most meaningful decisions in retirement. Here’s what we cover in this episode: 🛫 Why planning to “put your oxygen mask on first” is...

2025-06-1216 min

Your Retirement Elevated Podcast with Scott Dougan Estate Planning Essentials: Should You Put Everything Into a Trust?A lot of people believe that everything should go into a trust once you’ve set it up, and while that sounds logical, the answer is actually no. Not everything belongs in your trust, and getting it wrong could lead to headaches, probate delays, or even tax trouble. So today, we’ve invited estate planning attorney Connor Kelley to break down the four big ones you want to be careful with: retirement accounts, vehicles, life insurance, and checking accounts. Here’s what we cover in this episode: 📜 Why IRAs and 401(k)s don’t belong in your tru...

2025-06-0518 min

Your Retirement Elevated Podcast with Scott Dougan You Don’t Really Want a Financial PlanMost people walk into a financial advisor’s office asking for more income or a better plan. But what they’re really searching for is something deeper: peace of mind, clarity, and the ability to live life on their terms. In this episode, Scott challenges the conventional approach to planning and reveals the real reason people seek financial guidance in the first place. Here’s what we cover in this episode: 🗺️ Find clarity, not just paperwork ❤️ Your why > your wallet 🏡 Plan for your real life ⚠️ That uneasy feeling? It's trying to tell you som...

2025-05-2912 min

Your Retirement Elevated Podcast with Scott Dougan Your Emotions Might Matter More Than MathWhat if I told you the key to financial success isn’t how smart you are with numbers, but how well you understand your own emotions? One of the most talked-about money books out there, The Psychology of Money by Morgan Housel, might change the way you think about money, and we’re going to dive into the key concepts in this video. Here’s what we cover in this episode: 🧠 Understanding emotional drivers of money decisions 🎯 Why “enough” is a moving target and how to stop chasing it 🎯 Being reasonable beats being perfect...

2025-05-2218 min

Your Retirement Elevated Podcast with Scott Dougan The 7 Real Risks to Your Retirement PlanWhen most people think about retirement risks, they picture a stock market crash. But the truth is, the biggest threats to your financial future are often the ones you never saw coming. In this episode, Scott unpacks seven real risks that can quietly derail even the most well-planned retirement. Spoiler alert: it’s not just about volatility. Here’s what we cover in this episode: 🔥 Inflation + interest rates = lifestyle erosion 💰 Tax traps that could silently drain your retirement 💡 How diversification helps, but doesn’t solve everything 💵 Liquidity matters more than ever during m...

2025-05-1526 min

Your Retirement Elevated Podcast with Scott Dougan Is 2025 a Bad Time to Retire? Here’s the TruthYou’ve had 2025 circled on your calendar for years, but now, with rising inflation, market volatility, and economic uncertainty, you’re asking the big question: Is 2025 still a good time to retire? In this episode, Scott breaks down what really matters when making the retirement leap and why the media headlines shouldn’t dictate your financial future. If you’re feeling pressure to postpone your plans, this conversation offers clarity, calm, and a better decision-making framework. Key Points We Cover: 🧘 Stay calm, retirement success starts with a clear assessment 📉 Understand your true risk tolerance and...

2025-05-0817 min

Your Retirement Elevated Podcast with Scott Dougan The 3 Levels of Retirement ReadinessMost people think a full bank account means full retirement readiness, but it’s just the beginning. In this episode, Scott outlines the three essential keys you must consider before retirement. These points will help you determine whether you're set for a smooth, confident transition or if there are gaps you still need to address. Find out how to assess your readiness using our practical 1–10 scoring system to help you identify exactly where you stand. Here’s what we cover in this episode: 📊 Three critical levels of retirement readiness 🏖️ Why financial plans need lif...

2025-05-0128 min

Your Retirement Elevated Podcast with Scott Dougan Parents: Stop Sacrificing Your Future For Your Adult KidsHalf of parents are still paying their grown kids' bills (almost $1,500/month, on average), and it’s putting their own retirement at risk. The ‘Bank of Mom and Dad’ is open for business… but for how much longer? In this episode, Scott breaks down the rising trend of parents financially supporting Gen Z and millennial children, even into their 30s and 40s, and the often-overlooked danger it poses to long-term financial security. Here’s what we cover in this episode: 💸 The emotional toll of helping too much 📉 Why some parents are delaying retirement 🚨 Red flag...

2025-04-2418 min

Your Retirement Elevated Podcast with Scott Dougan Why IRAs Are a Terrible Inheritance – And What You Can Do About ItYou’ve spent years saving in your IRA, but what if we told you it could be the worst asset to leave to your kids? In this episode, Scott uncovers a critical issue with your retirement plan: inherited IRAs. Why does nationally recognized IRA expert, Ed Slott, call traditional IRAs “the worst asset to pass on to your kids?” We’ll break it all down for you and explain how you may be leaving a massive tax bill for your heirs. Here’s what we cover in this episode: 🔥 The IRA Time Bomb: Why Your Nest...

2025-04-1711 min

Your Retirement Elevated Podcast with Scott Dougan Is This Time Different? A Historical Look at Market Volatility & Actionable StepsThe headlines are loud, the markets are messy, and your gut might be telling you to do something, anything. But what should you actually do when your portfolio takes a hit like we’ve seen in recent days and weeks? If you’ve felt your stress levels rise, you’re not alone. Today we’ll try to help ease those emotions and the natural inclination to start making changes to your investment strategy. Here’s what we cover in this episode: 📉 What to do (and not do) when the market drops 🧠 Why emotion is the biggest threat to your portfolio 📊 Market history since 1970—w...

2025-04-0833 min

Your Retirement Elevated Podcast with Scott Dougan Are Traditional IRAs Really the Worst Asset to Own?Retirees have leveraged the traditional IRA for decades to invest and save, but is it still the best tool for today’s retirement landscape? IRA expert Ed Slott recently called the traditional IRA “the worst possible asset to own,” which is a bold statement. If this is true, when did it all change, and what are some better options? In this episode, we’ll explore the validity of this statement and have a real conversation about investing and taxes. Here’s what we cover in this episode: 📜 The SECURE Act killed the Stretch IRA for most b...

2025-04-0315 min

Your Retirement Elevated Podcast with Scott Dougan 5 Beliefs That Fool Retirement Savers The MostApril Fool’s Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today we’re going to unpack five common myths that trick retirees into making emotional or short-sighted decisions. Here’s some of what we cover: 🎭 Don’t get fooled by “guaranteed high returns” 🕒 Social Security timing is more than just fear of missing out 💰 Tax burdens in retirement can be higher—not lower 💡 Being frugal isn't a retirement strategy—it’s a mindset 🏥 Relying on your kids for care isn...

2025-03-2723 min

Your Retirement Elevated Podcast with Scott Dougan The Risky Game of Picking Stock WinnersMarch Madness is here, and just like filling out a bracket, picking individual stocks feels exciting. But the odds of winning big are slim. Investors often chase stock picks the same way they bet on their favorite teams, but history shows most stocks underperform, just like most brackets get busted. In this video, Scott breaks down the risky game of stock picking and how it compares to the unpredictability of March Madness. Here’s what we cover in this episode: 🏀 March Madness & Investing – Why picking stocks is just like picking brackets 📉 Most Stock...

2025-03-2020 min

Your Retirement Elevated Podcast with Scott Dougan How to Navigate a Market CorrectionnMuch like the weather, the stock market has its share of ups and downs. Those stormy days might feel unrelenting at times, but even in weeks filled with red, we can usually count on brighter days ahead. In this episode, Scott will provide some much-needed context for market corrections, explain how they differ from pullbacks and bear markets, and show you why staying calm is the best approach. Here’s what we cover in this episode: 📉 Pullback vs. Correction vs. Bear Market – What’s the difference? ⚠️ Why Market Corrections Happen – 💡 The biggest mistakes i...

2025-03-1325 min

Your Retirement Elevated Podcast with Scott Dougan The Perfect Holiday Flowchart: Are You Ready for Thanksgiving?If you have watched any of our podcasts and videos, or if you've ever engaged as a client with Scott Dougan and the Elevated Retirement Group team, you've probably come across a lot of flow charts. We're going to poke a little bit of fun at Scott today as he has prepared us a beautiful flow chart. It’s not the typical chart about finances but about Thanksgiving instead. Check out the flowchart here: https://listentoscott.com/wp-content/uploads/2024/11/Thanksgiving-Flow-Chart.pdf Here’s what we cover in this episode: 0:00 – Intro 2:12 – Start of the flowchart 4:51 – Turkey prep 7:44 – Stretchy pants 9:10 – TV 10:40 – Cranberry sauce 1...

2024-11-2623 min

Your Retirement Elevated Podcast with Scott Dougan Scott Helps Produce ‘The Psychology of Retirement’ MovieWe’ve spent years helping educate clients on financial planning and we’re excited about stepping out of our comfort zone and into a new medium: filmmaking. Scott is a contributing producer for the new movie, The Psychology of Retirement, which recently premiered in Colorado. Discover the behind-the-scenes stories of creating this impactful movie, the importance of a comprehensive retirement plan, and the challenges retirees face today. Scott shares his experiences from the red carpet premiere to private showings and explains why having a written retirement plan is essential for a secure future. We’re inviti...

2024-10-0321 min

Your Retirement Elevated Podcast with Scott Dougan Mise en Place & Retirement Planning: Setting The Stage For Your Next ChapterScott has always had a passion for cooking, and he recently completed a 9-week cooking course in Kansas City. In this episode, we explore the valuable lessons from the culinary world that can be applied to financial and retirement planning. One of the key concepts Scott learned is "Mise en Place," which emphasizes the importance of organizing and preparing all ingredients before you start cooking. This principle can similarly guide us in the financial realm, as we prepare and arrange our resources to enjoy a fulfilling retirement. Here’s what we cover in this...

2024-09-2643 min

Your Retirement Elevated Podcast with Scott Dougan Why Retirement is a Team Sport for CouplesAre you and your spouse on the same page when it comes to what retirement is going to look like? If not, it’s time to talk. In this show, we'll explore why it’s so important for couples to have detailed conversations about their finances and retirement futures. Scott shares insights on how to navigate disagreements, the common issues couples face, and practical steps to ensure both partners are aligned. Here’s what we cover in this episode: 0:00 – Intro 2:28 – Why you should work together 6:20 – Handling disagreements 9:40 – Healthcare cost...

2024-09-1215 min

Your Retirement Elevated Podcast with Scott Dougan Social Security COLA Increase Estimate Announced for 2025People always want to know whether they’ll get a Social Security increase and if so, how much will it be in 2025? New government data shows that inflation is starting to subside, and that seems like it will have an impact on next year’s Social Security cost-of-living, or COLA, adjustment. Even though many retirees are still struggling with higher costs, the 2025 increase estimate shows the lowest adjustment in four years. Here’s what we cover in this episode: 0:00 – Intro 1:12 – Scott’s reaction to the news 2:28 – Histo...

2024-08-2218 min

Your Retirement Elevated Podcast with Scott Dougan Time to Take the Retirement Checklist ChallengeRetirement planning can be overwhelming, but it doesn't have to be. Working through a checklist can ease your worries and give you confidence, but what should you have on that retirement checklist? Today Scott is going to share his Checklist Challenge, a comprehensive guide to ensure you're fully prepared for retirement. Find out which 34 essential items made the list. Are you ready to take the Checklist Challenge? Download the checklist and follow along as you listen to the episode. See where you stand and identify areas for improvement. If you find gaps in your plan, don't hesitate t...

2024-08-0116 min

Your Retirement Elevated Podcast with Scott Dougan Mastering The 5 Key Areas of Your Financial LifeWhat does a complete financial plan really look like? You’ve spent decades working hard, saving diligently, and now the golden years are on the horizon. But have you covered all of your bases? Listen in as Scott walks us through the 5 key areas of a complete financial plan in today’s episode- income planning, investment planning, tax planning, healthcare planning, and legacy/estate planning. Here’s what we cover in this episode: 0:00 – Intro 0:33 – Overview of the 5 key areas 6:20 – Income planning 9:00 – Investment planning 11:52 – Tax planning 16:48 – Hea...

2024-07-0225 min

Your Retirement Elevated Podcast with Scott Dougan Am I At Risk of Having My Identity Stolen or Being A Victim of Fraud?Today we’re going to cut through some of the fear by identifying the most common financial scams so you know what to be on the lookout for. We’ll also give you some tangible actions to take today to help safeguard your accounts. Are you at risk of having your identity stolen or becoming of fraud? We’ll break it all down with Scott in this video. Here’s what we cover in this episode: 0:00 – Intro 1:44 – Big interest in this topic 5:52 – Cyber threats 12:46 – Social media 14:3...

2024-06-2722 min

Your Retirement Elevated Podcast with Scott Dougan Embracing the Unexpected: 9 Retirement Surprises UnveiledAre you prepared for the unexpected turns your retirement might take? In this episode of Your Retirement Elevated Podcast with Scott Dougan, we explore the surprising findings from a study by the Transamerica Center for Retirement Studies. The study reveals a stark contrast between pre-retiree expectations and retiree realities, and we're here to explore the nine most common retirement surprises that await. One of the most comforting surprises is that many retirees worry less about money than they anticipated. It seems that once the retirement plan kicks into action, the stress over finances begins to wane. This...

2024-04-1825 min

Your Retirement Elevated Podcast with Scott Dougan Conquer FOBO: Making Decisions with ConfidenceEver found yourself endlessly scrolling through options, unable to make a choice? You might be falling into the trap of FOBO: Fear of Better Options. It’s a psychological phenomenon where someone avoids making a decision out of the fear that there may be a better option out there. How can we identify it and work with it and make better decisions and actually get to the decision point? That’s what we want to discuss with Scott today. Here are some of the questions we’ll tackle in this episode: What is FOBO and how long has this behavior been around? People can be divided into two groups when it c...

2024-04-0421 min

Your Retirement Elevated Podcast with Scott Dougan The 5 Types of Wealth & Why People Chase Only One at the Cost of OthersWhat would you pay to have the freedom to do what you want, when you want, how you want? On today's episode, we're going to talk about the five types of wealth and why people chase only one at the cost of the others. Here are some of the questions we’ll tackle in this episode: Why being a time billionaire might be better than being a dollar billionaire. The importance of protecting your time and what Scott has done to protect his. Physical health and mental wealth go hand in hand. Relationship wealth hel...

2023-12-2146 min

Your Retirement Elevated Podcast with Scott Dougan Building An Estate Plan With No RegretsThere are some people who don’t care at all about leaving a financial legacy, but for those who do, it’s important to eliminate some of the common estate planning mistakes. In this episode, we cover topics ranging from poor expense planning to outdated beneficiary designations and family conflict triggers. We also shed light on some misconceptions about transferring real estate and explain the impact of tax implications on your estate. If you want to leave a legacy without regret or legal turmoil, this episode is a great starting point. Here's some of what we d...

2023-09-2129 min

Your Retirement Elevated Podcast with Scott Dougan Retirement: Ready Or Not, Here It ComesAre you nearing “retirement age?” If so, let’s explore that pivotal question you’ll soon face: Should you retire or continue working? We’ll unravel the intricacies of this decision, addressing both financial and emotional aspects, and help you find out if you’re truly ready to retire. Here's some of what we discuss in this episode: The concept of retirement has evolved significantly over time, from a time when people worked until the end of their short lifespans to the modern idea of retirement with longer life expectancies. The three categories of people lookin...

2023-09-0727 min

Your Retirement Elevated Podcast with Scott Dougan The 2023 Halftime Report with Mike SorrentinoToday we have a special edition of the show where Scott recently hosted a webinar for his clients and had Mike Sorrentino on to discuss some financial topics that are top of mind for many people right now. This conversation comes in the wake of the midpoint of 2023, sort of a mid-year or halftime report, if you will, and the topics that you're going to hear from this webinar include the housing market, inflation, stock market, and a few predictions for the rest of the year. Here's some of what we discuss in t...

2023-08-1739 min

Your Retirement Elevated Podcast with Scott Dougan 5 Key Areas of Your Financial LifeOur whole practice revolves around helping people develop ways to make sure they have everything in order when it comes to these five areas of financial planning. Today we’re going to dive into these and provide a little more detail so that you’ll have a better understanding of what types of conversations we’re having with clients. We’ve also put together this PDF for you that gives you a nice breakdown of all five: https://listentoscott.com/wp-content/uploads/2023/08/5-Key-Areas-PDF-for-Website.pdf Here's some of what we discuss in this episo...

2023-08-0328 min

Your Retirement Elevated Podcast with Scott Dougan Mastering Retirement Cash Flow: Understanding Changing ExpensesIn this episode, we’ll explore many of the expenses in your life that might drastically change (one way or another) in retirement. We’ll break those expenses down further to see which ones are the top priorities and analyze some of the other factors that impact your cash flow in retirement. Here's some of what we discuss in this episode: Breaking retirement down into three phases to better understand spending. (4:49) What are the expenses that change the most in retirement? (8:27) The essential expenses vs discretionary and how to account for those. (14:10) Taxes are often...

2023-07-2024 min

Your Retirement Elevated Podcast with Scott Dougan Retirement Rebels: Winning Your Financial IndependenceCelebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets are required for these battles. Here's some of what we discuss in this episode: How to get independence from the government. (4:09) How to optimize your Social Security benefit. (6:30) How to get independence from your fami...

2023-07-0622 min

Your Retirement Elevated Podcast with Scott Dougan Crash Course: The Psychology of Investing in the Wake of Historic Market CrashesHave you ever wondered why you handle money the way you do? It turns out your financial behaviors can be traced back to your formative memories. In this episode, we explore how historic market crashes have left a lasting impact on our relationship with money. We’ll also contrast them with the way more recent crises have shaped our financial views and decisions in the short term. Here's some of what we discuss in this episode: Remembering soaring interest rates in the late 70s, early 80s, and right now. (6:55) Remembering Black Monday in 1987. (9:20) Remembering the...

2023-06-1521 min

Your Retirement Elevated Podcast with Scott Dougan A Comprehensive Dismantling Of 2023’s Top Social Security MythsIn this episode, we'll be debunking common myths about Social Security and answering the questions you've been curious about. No matter what questions you have about Social Security, we are here to help guide you through this important step in your financial future. Today’s show should give you a pretty good overview. Here's some of what we discuss in this episode: Myth: The Social Security Administration will help you make decisions. (3:49) Myth: You won’t pay taxes on Social Security. (8:04) Myth: You should claim Social Security as soon as possible. (12:49) Want t...

2023-06-0125 min

Your Retirement Elevated Podcast with Scott Dougan 7 Important Streams of IncomeYou can’t talk about retirement without talking about income. There are seven streams of income you need to know about. In today’s episode, we’ll break them down for you and help you understand the pros and cons of each one. Join us for a critical discussion on creating a reliable, dependable income source in retirement and discover the importance of having a diversified financial plan. Here's some of what we discuss in this episode: Earned income is the most common type of income. (3:50) Interest income is a form of passive income. (9:09) Business...

2023-05-1829 min

Your Retirement Elevated Podcast with Scott Dougan Five Facts You Need to Know About FDIC Insurance and Your IRAThe Federal Deposit Insurance Corporation (FDIC) has been in the news recently as bank failures have made headlines. It's worth noting that the FDIC insures deposits up to $250,000, providing peace of mind to depositors who may be concerned about the safety of their funds. However, you may be wondering if your IRA is also protected by the FDIC, especially in light of recent news coverage. In this episode, we’ll answer your questions about banking, FDIC, IRAs, and more. Stay tuned as we cover the five facts that you need to know. Here's some of what...

2023-05-0413 min

Your Retirement Elevated Podcast with Scott Dougan How Millionaires Invest Their MoneyHow do millionaires invest their money? If you’ve ever wondered how they do it, today’s show is for you. From asset allocation to market timing and security selection, we’ll explain how millionaires handle these topics. Here's some of what we discuss in this episode: How do millionaires handle asset allocation? (5:09) Do millionaires time the market? (8:38) How do millionaires diversify their investments? (11:08) Want to connect with us? https://listentoscott.com/ https://elevatemyretirement.com/our-team/scott-m-dougan/ 913-393-4724

2023-04-2022 min

Your Retirement Elevated Podcast with Scott Dougan 10 IRA Questions to Ask Your AdvisorEntrusting your life savings to a financial advisor requires careful consideration and due diligence, especially when it comes to managing large IRAs. Before handing over your hard-earned nest egg, it's crucial to ensure that your advisor possesses the necessary expertise and experience to handle the responsibility. To help you navigate this, we've compiled a list of ten crucial questions to ask your advisor about IRAs. Here are a few of the questions we’ll highlight in today’s episode: IRA distribution planning requires specialized knowledge. Do you have expertise in this area? (8:07) What professional train...

2023-04-1324 min

Your Retirement Elevated Podcast with Scott Dougan Unpacking the Silicon Valley Bank CollapseAs you have likely heard, the Silicon Valley Bank collapsed on Friday, March 10th, 2023, after a bank run- marking the largest bank failure in the U.S. in over a decade. With a lot of fear surrounding this topic, we are here to focus on the facts and give you a better understanding of what we know today. Here's some of what we discuss in this episode: What we know about the Silicon Valley bank failure right now (2:57) Unpacking why this SVB crisis happened and what sparked the bank run panic. (11:05) The five keys p...

2023-03-1425 min

Your Retirement Elevated Podcast with Scott Dougan Things Could (Always) Be BetterToday’s show is going to feel like a healing therapy session. We're talking about how things could always be better. From human progress and value to happiness, we’ll cover some fascinating topics today. We are not psychologists or therapists, but we are fascinated by the human mind and the need to improve. It happens in all facets of our lives, but money always seems to drive that desire to want more. Here's some of what we discuss in this episode: How have you made financial decisions in the past? (2:01) Despite the negativity in t...

2023-03-0222 min

Your Retirement Elevated Podcast with Scott Dougan Retiring Early? Check Out Scott’s Do’s & Don’ts of 6 Secret Sources of IncomeIf you’re thinking about retiring early, you’ll need to take a few extra steps in the planning process because you’ll be facing some additional challenges. But there are ways to navigate this by looking at all of the income options at your disposal. On today’s show, we’ll share Scott’s top do’s and don’ts of six secret sources of come. So much of your success will depend on your income plan and this episode will lay out some ways to get ahead. Here's some of what we discuss in thi...

2023-02-1627 min

Your Retirement Elevated Podcast with Scott Dougan SECURE Act 2.0 Webinar & In-Depth DiscussionWe’ve got a special edition of the podcast today, and it’s one you’re going to want to listen to. We’ve already spent some time on this show discussing SECURE Act 2.0 and we highlighted many of the planning opportunities it has created. But this is such an important piece of retirement legislation so we’re going even more in-depth on the subject. In this episode, we are sharing a webinar we hosted about SECURE Act 2.0. And, spoiler alert, we get a little angry about the topic and go in attack dog mode. Get ready for it....

2023-02-0355 min

Your Retirement Elevated Podcast with Scott Dougan Financial Checklists and Important BirthdaysA new year means many of us are looking for ways to improve our financial lives in 2023. Today we’re sharing a great checklist to give you areas of focus in order to be better prepared financially. If you’re nearing retirement, these are questions you want to think through and have a plan for before you make that transition. We’ll also share some important birthdays for financial planning and make sure you know about the items that will impact you at specific ages. Here's some of what we discuss in this episod...

2023-01-2620 min

Your Retirement Elevated Podcast with Scott Dougan SECURE 2.0 Act – Retirement Changes You Need to KnowWe’ve gone through all of these different SECURE 2.0 Act provisions, which touch on a range of planning items and dates so that you can really focus on what’s most important. This episode will help you get a better understanding of the changes, how they might impact you, and what planning opportunities you need to be aware of. Here's some of what we discuss in this episode: More changes again to the required minimum distribution ages. (7:16) Elimination of RMD requirements for Roth 401(k) plans. (12:31) Reduction in penalty for missing your RMD withdrawal. (14:16) Catch-up contribution changes. (15:52) The ab...

2023-01-2033 min

Your Retirement Elevated Podcast with Scott Dougan Mailbag: Mortgages, Dividends and CollegeIt’s time for another mailbag episode, and we bet these questions (and our answers) will help many of you. This episode could really help if you’re looking to improve your financial situation and prepare for retirement. We will discuss whether to pay off your mortgage, what to do about dividends, and whether to prioritize paying for college or saving for retirement. Listen to hear some of the questions our listeners have, and maybe you’ll gain some valuable knowledge from our answers! On this episode, we’ll share: Should you pay off m...

2022-12-1523 min

Your Retirement Elevated Podcast with Scott Dougan End-of-Year Tax StrategiesIt’s time to focus on the end of the year, especially taxes, which are a big topic of conversation. We spotlight this topic every December because it’s just that important. We do a year-end tax event each year and produce a white paper because having the right strategies to limit your tax bill can help reduce some of the anxiety around tax time. Some people stress about doing their taxes. If you’ve ever received a letter from the IRS, you know what that anxiety is like. On this episode, we’ll share...

2022-12-0127 min

Your Retirement Elevated Podcast with Scott Dougan Stock Seller’s RemorseDo you have seller’s remorse? If you sell a stock and then regret it later, this might be you. We love talking about the behavioral side of finances and investing, and today’s show is all about that. The economy and markets have had a rough time this year, so we’ve seen more regret among investors who led with their feelings instead of facts. On this episode, we’ll share: The behavioral side of finances and investing. (1:06) What’s high in terms of historical interest rates? (6:17) How people almost fell asleep on stock mark...

2022-11-1718 min

Your Retirement Elevated Podcast with Scott Dougan What Can I Control?What’s in your control, what’s outside your control, and how do those things influence your decision-making in your financial life? For instance, inflation is surging, the markets are down, and political warfare is holding strong. But rest assured, there are aspects you are still definitely in control of. We’ll explain how facts and logic are better tools than emotions, myths, misconceptions and misinformation. On this episode, we’ll share: Should you just ignore the things you can’t control? (2:50) What’s out of your control? And what can you control? (4:42) The best way to...

2022-11-0322 min

Your Retirement Elevated Podcast with Scott Dougan Celebrate Our 100th Show With These Memorable MomentsIt’s time to celebrate our 100th episode of Your Retirement Elevated with Scott Dougan! For this milestone episode, we thought we’d mix things up a bit with a look back at some of the best lessons from the past few years of podcasting. Scott’s a great storyteller; it always makes financial planning more relatable when we can tie it into a story about our past or everyday life. So, we’ve gone back through the past 100 episodes, pulled our Top 6 favorite stories, and trimmed each one into a bite-sized piece. Enjoy these stories...

2022-10-2024 min

Your Retirement Elevated Podcast with Scott Dougan Why You Need a Micro and Macro Tax LensThere are a couple different ways to view taxes – through micro and macro lenses. You’ve probably heard of micro and macro economics, but today’s show is all about preparing for tax season. Here’s some of what you’ll learn on this episode: Why you have to consider variables in tax planning. (6:01) Why you need to keep the conversation going about your taxes and how often we should meet. (9:12) Our final thoughts about this crucial topic for your finances. (13:30) Want to connect with us? https://listentoscott.com/ https://elevat...

2022-10-0616 min

Your Retirement Elevated Podcast with Scott Dougan 5 Questions To Determine If Your Financial Plan Needs Further ReviewAnytime you meet with a financial advisor, you need to determine if your plan needs more review. On this episode of Your Retirement Elevated podcast with Scott Dougan, we’re sharing the five critical questions you need to ask. Key topics on this show: 3:58 – Vacation now or later 6:17 – Adequate review 9:36 – Tax plan 12:00 – Income and liquidity 13:59 – Risk 15:34 – Heirs Read more and get additional resources here: http://listentoscott.com

2022-07-0722 min

Your Retirement Elevated Podcast with Scott Dougan 4 Financial Questions We Get Asked All the TimeOn this episode of Your Retirement Elevated podcast with Scott Dougan, we’re sharing the four most common financial questions we get and how we answer them. Read more and get additional financial resources here: https://wp.me/paeENs-cp What we discuss on this episode: 3:45 – When can I retire? 5:55 – Do I have enough? 7:41 – Will my money last as long as I do? 8:34 – Will I be OK?

2021-08-1913 min

Your Retirement Elevated Podcast with Scott Dougan Watch Out for These 4 Retirement Blind SpotsOn this episode of Your Retirement Elevated podcast with Scott Dougan, we’re talking about blind spots in your retirement. Most retirees and pre-retirees have them in their retirement plan – things they never knew they needed to be thinking about. We’ll explain how each of these blind spots can cause problems. Read more and get additional financial resources here: https://wp.me/paeENs-cl What we discuss on this episode: 4:15 – Market downturn 6:43 – Inflation 8:40 – Medical costs 11:03 – Tax 13:50 – Looking for blind spots

2021-08-0516 min

Your Retirement Elevated Podcast with Scott Dougan Knowledge is Not PowerIs knowledge power? On this episode of Your Retirement Elevated podcast with Scott Dougan, we’re exploring the topic of knowledge and what you do with it. Read more and get additional financial resources here: https://wp.me/paeENs-bX What we discuss on this episode: 2:05 – Knowledge is not power 6:40 – Knowing where to tap 12:12 – Critical lessons 14:05 – Executing a plan 15:30 – Prior knowledge not always an advantage 20:26 – Feeling comfortable and confident

2021-06-1726 min

Your Retirement Elevated Podcast with Scott Dougan What Are You Going To Retire To?On this episode of Your Retirement Elevated podcast with Scott Dougan, we’re talking about a question that has come up a lot lately: What are you going to retire to? Read more and get additional financial resources here: https://wp.me/paeENs-bP What we discuss on this episode: 1:36 – What you are going to retire to? 6:17 – Struggling with retirement 10:06 – Silver linings

2021-06-0316 min

Your Retirement Elevated Podcast with Scott Dougan You're Always Closer To Running Out Of Vitamin C Than You ThinkOn this episode of Your Retirement Elevated podcast with Scott Dougan, we’ll explain the correlation between vitamin C and how it impacts your financial health. Read more and get additional financial resources here: https://wp.me/paeENs-bF What we discuss on this episode: 3:05 – Email from a client 5:31 – Always something to worry about 9:45 – No doom and gloom 12:45 – Guard your minds 14:28 – Emotions

2021-05-2716 min

Your Retirement Elevated Podcast with Scott Dougan Critical Facts: SECURE Act's RMD Rule Not What You ThoughtOn this episode of Your Retirement Elevated podcast with Scott Dougan, we’re talking about some recent developments to the SECURE Act and what it might mean for you. Find out what we think about the news and how it could impact planning. Read more and get additional financial resources here: https://wp.me/paeENs-bs What we discuss on this episode: 2:42 – What is the SECURE Act? 6:34 – Withdrawing funds from retirement accounts 11:20 – Not the first big change 13:36 – Repercussions

2021-04-2218 min

Your Retirement Elevated Podcast with Scott Dougan Love or Hate the Election, Leave Emotion BehindNo matter how you feel about the 2020 election, it’s best to leave emotion behind when dealing with your financial future. Scott Dougan explains how he handles retirement planning in election season. Read more and get additional financial resources here: https://wp.me/paeENs-ac What we discuss on this show: 0:51 – Dealing with uncertainty 3:48 – Too much emphasis on one person 5:58 – Clients upset about election outcome 7:29 – What’s great about America 9:20 – Every change gives us opportunity 11:02 – How to define long-term 15:05 – Model good

2020-11-1917 min

Your Retirement Elevated Podcast with Scott Dougan End-of-Year Tax Planning GuideOn this episode of Your Retirement Elevated podcast with Scott Dougan, we explain why tax planning is so important, how the election could affect taxes and much more. Consider this your end-of-year tax planning guide. Find out why tax planning is often a missing piece in people’s financial plans. Read more and get additional financial resources here: https://wp.me/paeENs-9U What we discuss on this show: 2:15 – Why tax planning is often a missing piece 5:38 – Itemization vs. standard deduction 7:48 – CPAs vs. financial pla...

2020-10-2236 min

Your Retirement Elevated Podcast with Scott Dougan The Four Tax Liability BucketsDo you know where your tax liabilities fall? You may not realize it, but your tax situation likely falls into one of four buckets, and you may have a little bit in each bucket. On this episode of Your Retirement Elevated Podcast, Scott Dougan explains what the four buckets are and why it’s important to know this information. Read more and get additional financial resources here: https://wp.me/paeENs-9p Read the whitepaper: https://listentoscott.com/wp-content/uploads/2020/09/Four-Buckets-PDF-For-Website.pdf What we discuss on this episode...

2020-09-0317 min

Your Retirement Elevated Podcast with Scott Dougan How to Future-Proof Your RetirementIn light of COVID-19 and how it’s affecting the economy, there’s an added incentive to move money into a Roth. Scott Dougan explains the process and the benefits. Read more and get additional financial resources here: https://wp.me/paeENs-9k What we discuss on this episode: 1:19 – How COVID affects retirement 3:01 – Big takeaway for future-proofing retirement 4:57 – No doom and gloom 6:57 – Getting out of debt 9:31 – Take stock of where you are 12:43 – How this could affect other investments 16:38 – Final thou

2020-08-2719 min

Your Retirement Elevated Podcast with Scott Dougan 10-Step Layoff Survival GuideHave you been laid off close to retirement, or are you worried that might happen? Scott Dougan shares 10 steps to help you decide your next move. Read more and get additional financial resources here: https://wp.me/paeENs-9d On today's show: 3:45 – Keep calm and take it one step at a time 4:36 – Determine your living expenses 6:42 - Create an inventory of your resources 8:28 – Add in severance pay 9:51 - Understand how unemployment benefits work 10:57 – Learn about your health insurance options 13:18...

2020-08-2022 min

Your Retirement Elevated Podcast with Scott Dougan As Business Expands, Show Clients They Still MatterScott Dougan got a wake-up call when he found out his business advisor was taking on more clients. Would the advisor be too busy to talk with him now? How would it affect their relationship? The experience made Scott think about his own clients and how his business expansion makes them feel. Find out what he learned and how he applies that to his business relationships now. Read more & get additional financial resources here: https://wp.me/paeENs-97 Today's show schedule: 2:00 – Scott shares how adviser has helped him 4:13...

2020-07-2316 min

Your Retirement Elevated Podcast with Scott Dougan Vital Takeaways From The Coronavirus Stimulus Bill For Individuals & Small Business OwnersThe $2 trillion coronavirus (COVID-19) economic stimulus bill was signed into law on March 27, 2020 aimed to provide relief and opportunities for individuals and businesses impacted negatively by the current pandemic. On this episode, we'll cover some of the key provisions in the bill with Scott Dougan and special guest Mark O'ffill of Prairie Fire Resources LLC. Small business owners, check out this PDF for key questions and guidance on the emergency loan program that's included in the stimulus. Show Notes & Info: Podcast Site: https://listentoscott.com/ Retirement Classes: https://www.retirementelevated.com/co...

2020-04-0229 min

Your Retirement Elevated Podcast with Scott Dougan The Power Of Zero - Lessons From Our Event With David McKnightRespected financial author David McKnight joined Scott Dougan and the Elevated Retirement Group team for a recent event to learn about tax strategies that can lead you to the zero percent tax bracket in retirement. Scott recaps the event and details some of the strategies David talks about in his book, The Power of Zero. Show Notes & Info: SECURE Act PDF: https://mcdn.podbean.com/mf/web/yg7vqr/The_Secure_Act_-_ERG_-_Downloadable_Guide.pdf Podcast Site: https://listentoscott.com/ Retirement Classes: https://www.retirementelevated.com/courses/ C...

2020-01-2329 min