Many retirees spend years focusing on building a nest egg, only to discover that retirement is about much more than reaching a specific number. In this mailbag episode, Mitch answers listener questions about retirement income, emergency funds, Roth conversions, Social Security decisions, and the critical “retirement red zone” that occurs in the years leading up to retirement.
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This episode tackles two very common retirement planning questions advisors hear from clients. First, how much should you have saved for retirement at different stages of life? Then, the conversation shifts to rental properties and whether it’s a good investment.
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Losing a spouse changes nearly every part of life, including your financial picture. In part two of our Losing a Spouse series, Mitch shares practical financial steps surviving spouses should revisit after a loss. When emotions are high and decisions feel overwhelming, having a thoughtful financial plan in place can make all the difference.
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Losing a spouse is one of the hardest experiences a person can face, emotionally and financially. Mitch discusses some of the difficult realities surviving spouses often encounter and the importance of having a plan in place before tragedy happens. If you’ve been putting off legacy or survivor planning conversations, today’s discussion highlights why planning matters, especially before grief and uncertainty make important financial decisions even harder.
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Retiring early sounds like the dream… more freedom, more time, and life on your terms. But behind that dream is a set of financial realities that can make or break the plan if you’re not prepared. Mitch uncovers what it really takes to retire before the traditional age, so you can make sure your early retirement plan holds up over time.
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Roth conversions get talked about a lot, but most people misunderstand what actually makes them work. Mitch breaks down how this strategy really plays out, from tax math to long-term control over your money.
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Roth conversions sound simple on the surface, but once you dig in, the strategy gets a lot more nuanced. Mitch walks through the many factors that go into deciding whether a Roth conversion makes sense for your situation.
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In this episode, Mitch discusses the difference between market pessimism and optimism, and how both affect your retirement strategy. Having the right strategy can protect your peace of mind and keep you on track, no matter what the market does.
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Retirement planning questions don’t always come neatly packaged, and sometimes the most valuable insights come from real-world scenarios. In this episode, Mitch digs into a handful of listener questions that highlight some of the most common (and important) decisions people face as retirement approaches.
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Rebalancing isn’t just about adjusting your portfolio- it’s about making smarter decisions that impact your taxes, income, and long-term retirement success. In this episode, Mitch Lyons explains why focusing on the process matters more than chasing performance, and how strategies like Roth conversions can dramatically change your financial outcome over time. You’ll also learn why some people delay planning out of fear, why others are overly confident, and how both can lead to costly mistakes.
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