Download The Game of the Decade eBook

Are you navigating your finances without a map? For many, the path to retirement feels like a maze, filled with confusing options, emotional decisions, and the constant fear of falling behind. In our final episode of the “Game of the Decade” mini-series, we unpack Play #7: Finding a Financial Coach to Help You Plan in Decades, and show why this step may be your most important move yet.

Host Mark Zagurski, Director of Strategy and Communication at Mutual of Omaha Advisors, tackles the misconception that financial coaching is just for the wealthy. In reality, a trusted coach could be the missing link between where you are now and the confident, purpose-filled retirement you envision. If you’ve ever felt uncertain about your next financial step, this episode is for you.

We explore:

• 
  

  The real difference between a financial coach and a financial advisor (and why you might need both)
  

• How coaching helps you shift from “I’m bad with money” to “I’m in control”
  

• The emotional side of money, and how to tackle fear, guilt, and doubt head-on
  

• Why retirement planning is a marathon, not a sprint, and the importance of adjusting through the “go-go,” “slow-go,” and “no-go” years
  

• How to find a coach who will help you design a plan that actually fits your life and values
  

• Key Takeaways:

• 
  

  A financial coach provides the accountability and education most people were never taught.
  

• Coaching helps align your habits with your long-term vision, without shame or blame.
  

• Retirement is made of decades, not just one moment, plan accordingly.
  

• Your emotions and mindset matter just as much as your math.
  

• The right advisor-coach can walk with you through every life and financial transition.
  

• “It’s one thing to have a plan, it’s another to stick with it.” - Mark Zagurski

  
  

  Want to take the next step? Download the free “Game of the Decade” eBook at makeitpersonalpodcast.com, and schedule a no-obligation chat with an advisor who can help you build a plan tailored to your future.

  
  

  Subscribe, share this episode, and take a few minutes to journal about your retirement fears and goals. Make it personal, because it’s your money, your plan, your future.

  
  

  Connect with Mutual of Omaha Advisors through the following links:

  Download The Game of the Decade eBook

  Download the Seven Principles eBook

  Instagram

  Facebook - Mutual of Omaha Advisors

  Sign Up For a Free Financial Strategy Meeting

  --

  Investing involves risk, including loss of principal.

  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  
  

Download The Game of the Decade eBook

Retirement isn't just about the money, it's also about managing the health challenges that come with aging. And if you’re not prepared, healthcare costs can sneak up and derail your financial plans. So the real question is: do you have a strategy for healthcare in retirement?

In this episode of Make It Personal, Mark Zagurski walks you through Play #6: Planning for Healthcare in Retirement, a crucial move in the “Game of the Decade” series. From understanding Medicare basics to preparing for long-term care, this episode unpacks how to build a solid defense against rising healthcare costs in your golden years. You'll also get a lighthearted intro to IRMAA, the Medicare premium penalty you probably didn’t see coming.

Whether you’re 5 or 10 years out from retirement, this episode will help you ask the right questions and begin shaping a personalized plan that protects both your health and your wealth.

What you'll learn in this episode:

The difference between Medicare Part A, B, Supplement (Medigap), and Advantage plans

Why IRMAA can increase your Medicare premiums, and how to plan ahead

How long-term care insurance fits into a retirement healthcare strategy

The pros and cons of hybrid vs. standalone long-term care policies

Why starting early gives you more affordable, flexible options

“If you want your plan to be personal, it has to be tailored to you.” - Mark Zagurski

Ready to take control of your healthcare future? Download our free eBook and schedule a no-obligation conversation with an advisor at makeitpersonalpodcast.com. Don’t forget to subscribe, share, and revisit Episode 28 for more on long-term care planning.

Connect with Mutual of Omaha Advisors through the following links:

Download The Game of the Decade eBook

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Download The Game of the Decade eBook

More and more Americans are asking a game-changing question: What if I don’t want to wait until 65 to retire? In today`s episode of Make It Personal, we tackle the bold and often misunderstood concept of early retirement, not as an escape, but as a purposeful pivot toward “time freedom.”

What happens when retirement comes earlier than expected, whether by choice or circumstance? Mark Zagurski dives into Play #5 from The Game of the Decade e-book. You’ll learn how to rethink your retirement timeline, explore strategies for tapping into retirement funds early without penalties, and discover how part-time work could be the secret weapon to living the retirement life you truly want.

Whether you're exploring FIRE (Financial Independence, Retire Early), intrigued by flexible withdrawal strategies like the Rule of 55 or IRS Section 72(t), or simply wondering how you’ll fill your time post-career, this episode delivers clear insights and practical tools to build a retirement plan that’s actually yours.

In this episode, you’ll learn:

• 
  

  Why 6 in 10 people retire earlier than expected, and how to plan for it
  

  How to use the Rule of 55 and Section 72(t) for early, penalty-free withdrawals
  

• The surprising math behind part-time income and retirement savings
  

  What “Barista FIRE” really means, and why it’s more achievable than you think
  

  Why personal finance strategies like permanent life insurance can fuel your pivot to freedom
  

  “Early retirement isn’t just for the lucky or the ultra-wealthy, it’s possible with the right plan.”

  
  

  Download our free eBook The Game of the Decade at www.makeitpersonalpodcast.com and schedule your free consultation. Like, subscribe, and share this episode with someone who’s dreaming of more freedom, sooner.

  
  

  Connect with Mutual of Omaha Advisors through the following links:

  Download The Game of the Decade eBook

  Download the Seven Principles eBook

  Instagram

  Facebook - Mutual of Omaha Advisors

  Sign Up For a Free Financial Strategy Meeting

  --

  Investing involves risk, including loss of principal.

  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  
  

Download The Game of the Decade eBook

Is there really a “right age” to claim Social Security?

It’s one of the biggest decisions you’ll make as you approach retirement, and one of the easiest to get wrong. Play #4 in our “Game of the Decade” series zooms in on how to optimize your Social Security benefits and why this move could make or break your financial security in retirement.

In this episode, Mark Zagurski, Director of Strategy and Communication for Mutual of Omaha Advisors, unpacks the myths, numbers, and hidden factors behind Social Security timing. You’ll learn why there’s no one-size-fits-all answer, and why trusting a break-even calculator or viral YouTube video might lead you down the wrong path. Whether you’re nearing 62, still a decade away, or helping a loved one plan, this episode is packed with clarity and guidance.

We’ll walk through:

• 
  

  The truth behind “full retirement age” and the 8% annual growth after it
  

  What a break-even calculator really tells you (and what it doesn’t)
  

• How your life expectancy and career passion shape your best claiming age
  

  The financial ripple effect of your decision on your spouse
  

  Why planning your Social Security strategy isn’t just smart, it’s essential
  

• 
  

• “There is no ‘best age’, only the best age for you.” – Mark Zagurski

  
  

  Take the next step: Download our free eBook “The Game of the Decade” at makeitpersonalpodcast.com, and while you're there, schedule a no-obligation conversation with one of our advisors. Like, subscribe, and share this episode with someone you care about.

  
  

  Make It Personal—It’s Your Money, It’s Your Plan, It’s Your Future!

  
  

  Connect with Mutual of Omaha Advisors through the following links:

  Download The Game of the Decade eBook

  Download the Seven Principles eBook

  Instagram

  Facebook - Mutual of Omaha Advisors

  Sign Up For a Free Financial Strategy Meeting

  --

  Investing involves risk, including loss of principal.

  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  
  

Download The Game of the Decade eBook

In this episode, Mark Zagurski tackles Play #3 of the Seven Plays series: mastering the do’s and don’ts of retirement taxes. Taxes can be one of the biggest expenses in retirement, especially with pre-tax accounts like 401(k)s and IRAs. Mark explains the importance of asset location, strategically choosing taxable, tax-deferred, and tax-free accounts to minimize tax liability. He debunks the myth of a flat 30% tax rate, illustrating how progressive tax brackets and effective tax rates work, and shares strategies for diversifying your portfolio across account types for flexibility and control.

You’ll learn:

Why asset location is critical for minimizing retirement taxes.

The differences between taxable, tax-deferred, and tax-free accounts.

How progressive tax brackets affect your actual tax burden.

The benefits of Roth IRAs and cash value life insurance for tax-free growth.

Why working with a financial advisor and tax professional is essential for tax planning.

“A diversified portfolio across types of accounts can keep your retirement income steady while allowing you to easily handle payments to the IRS.” - Mark Zagurski

Take control of your retirement taxes! Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor today.

Connect with Mutual of Omaha Advisors through the following links:

Download The Game of the Decade eBook

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Download The Game of the Decade eBook

Mark Zagurski explores Play #2 of the Seven Plays series: determining how much money you need in retirement. He challenges the conventional rule of thumb of replacing 70-80% of pre-retirement income, citing Morningstar research showing replacement rates vary from 54% to 87% based on lifestyle and expenses. Mark discusses the “go-go,” “slow-go,” and “no-go” phases of retirement and how expenses like healthcare and travel can shift over time. He emphasizes the need for a personalized plan to account for Social Security, retirement accounts, and personal savings.

You’ll learn:

Why retirement income needs vary widely based on lifestyle and circumstances.

The three phases of retirement and their impact on spending.

How Social Security, retirement accounts, and savings form your income foundation.

Why generic rules of thumb fall short in retirement planning.

The importance of tailoring your plan to your specific expenses and goals.

“In retirement, every day is essentially a Saturday. Don’t think of retirement as a simple accumulation goal for only paying your bills or expenses.” - Mark Zagurski

Start planning your retirement income now at www.makeitpersonalpodcast.com. Download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.

Connect with Mutual of Omaha Advisors through the following links:

Download The Game of the Decade eBook

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal

In this episode, Mark Zagurski dives into Play #1 of the Seven Plays series: maximizing the five years before and after retirement, dubbed the "Game of the Decade." He explains the shift from the accumulation phase (saving and investing) to the distribution phase (generating income) and the challenges of modern retirement, including longer life expectancies and the decline of pensions. Mark highlights key pre-retirement steps like building an emergency fund and maximizing savings, and post-retirement strategies like managing withdrawals and sequence of returns risk to ensure your money lasts.

You’ll learn:

Why the ten years around retirement are critical for financial success.

Key steps to take in the five years before retirement, like estate planning and insurance.

How to transition to a “spender” mindset in the first five years of retirement.

What sequence of returns risk is and how to mitigate it.

The value of working with an advisor to navigate these critical years.

“In the simplest terms, one of the most essential financial issues in retirement is: will our money outlive us, or will we outlive our money?” - Mark Zagurski

Ready to maximize your retirement? Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.

Connect with Mutual of Omaha Advisors through the following links:

Download The Game of the Decade eBook

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Download The Game of the Decade eBook

Mark Zagurski introduces the eBook The Game of the Decade: Seven Plays for Winning the Most Important Ten Years to Retirement Success, targeting pre-retirees who need a personalized action plan. He outlines the seven plays: maximizing the five years before and after retirement, determining retirement income needs, managing taxes, optimizing Social Security, planning for early retirement, addressing healthcare, and finding a financial coach. Mark emphasizes that modern retirement planning is more complex than in past generations, requiring tailored strategies to navigate longer life expectancies and declining pensions.

You’ll learn:

The seven key strategies for a successful retirement.

Why the ten years surrounding retirement are critical for financial security.

How modern retirement differs from past generations due to longer lifespans and rising costs.

The importance of a personalized plan for pre-retirees.

How a financial advisor can help you achieve your retirement goals.

“The thing about personal finance is... well, it’s personal. If you want your plan to be personal, it has to be tailored to you.” - Mark Zagurski

Download the free eBook at www.makeitpersonalpodcast.com and schedule a no-obligation consultation with a Mutual of Omaha advisor to start planning your retirement today.

Connect with Mutual of Omaha Advisors through the following links:

Download The Game of the Decade eBook

Download the Seven Principles eBook

Instagram

Facebook - Mutual of Omaha Advisors

Sign Up For a Free Financial Strategy Meeting

--

Investing involves risk, including loss of principal.

This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.