In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how inflation impacts retirement and why proactive budgeting, diversified income and proper account structure are essential for long term success. Larry explains how Haven Financial Group factors inflation into retirement projections, why managing credit card debt is critical and how tracking spending can reveal opportunities for improvement. The conversation also highlights the importance of liquidity, tax diversification across Roth, pre tax and brokerage accounts, and working with a coordinated team to reduce stress and create lasting peace of mind in retirement.

Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig discusses why Roth IRAs and proactive tax planning can play a powerful role in retirement success. He explains the benefits of tax free growth, no required minimum distributions and tax efficient wealth transfer, while also addressing income limits, the five year rule and when conversions make sense. Larry walks through real life scenarios showing how strategic Roth conversions during lower income years can help minimize future taxes and reduce required distributions later in retirement. As always, the focus is on education, forward thinking tax strategy and making informed decisions to help you thrive, not just survive, in retirement.

Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to structure your retirement plan to withstand market turbulence and sequence of return risk. They break down the importance of understanding your willingness, need and ability to take risk, why consistent “mailbox money” matters in retirement, and how stress testing your portfolio can help protect your timeline. The conversation also covers guaranteed income sources, Social Security planning, annuities, budgeting for go-go retirement years and the value of education in making confident, informed financial decisions.

Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to make the most of leftover 529 college savings funds, including new rollover options to Roth IRAs under the SECURE Act 2.0, changing beneficiaries, funding K–12 tuition, apprenticeships and even paying down student loans. They also highlight the importance of keeping beneficiaries up to date and making informed, tax-efficient decisions as part of a comprehensive retirement strategy. As always, they emphasize the value of proactive planning to minimize penalties, reduce taxes and create long term financial confidence.

Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry and Kim are joined once again by CPA Lance Larson to tackle one of the biggest retirement moves: selling the family home. Whether you are looking to downsize in Minnesota or head south for warmer weather, the tax ramifications of a home sale can be significant if you aren't prepared.

Lance explains the critical differences between primary residence exclusions—where married couples can often exclude up to $500,000 in gains—and the more complex tax treatment of rental properties. They dive into how "basis" (your original purchase price plus improvements like that kitchen remodel) can lower your tax bill, and how real estate investors can use a 1031 exchange to defer taxes indefinitely. Beyond the numbers, the team discusses the "life costs" of moving—from the expense of pods and storage to the emotional challenge of valuing a home that holds decades of memories. Learn why having your tax, investment, and estate planning "puzzle pieces" under one roof is the key to a smooth transition into your golden years.

Connect with Haven Financial Group on all platforms!

1. havenfinancialgroup.com

2. facebook.com/havenfinancialgroup

3. linkedin.com/company/haven-financial-group-mn

4. instagram.com/haven_financial_group

In this special tax-season episode of the Safe Haven Solutions Podcast, Larry and Kim pull Lance Larson, CPA, away from his desk to discuss how to keep more of your hard-earned money out of Uncle Sam’s pockets. Lance breaks down the concept of "forced income"—like pensions and Social Security—and explains the "perfect tax scenario" where you can collect Social Security and pull from Roth accounts without giving a single cent to the government.

The team also tackles the age-old question: Is moving to a state like Florida or Arizona actually a winning tax strategy, or do tolls and hidden fees level the playing field? From filling up the 12% tax bracket to hitting the "IRMAA cliff" without falling over, this episode proves that while tax preparation is a seasonal event, tax planning is a year-round necessity that ensures you walk out of your next appointment with a smile on your face.

Connect with Haven Financial Group on all platforms!

1. havenfinancialgroup.com

2. facebook.com/havenfinancialgroup

3. linkedin.com/company/haven-financial-group-mn

4. instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig explains why your own financial security is the ultimate gift to your family. Drawing from a sobering recent client story about the sudden, high costs of long-term care, Larry discusses the two-fold benefit of stability: ensuring you aren't a burden to your children and making sure your hard-earned legacy doesn't end up in the hands of attorneys or Uncle Sam.

From the "100% mortality rate" reality check to the joy of tax prep meetings where the plan actually works, this episode is a guide to being proactive. Larry and Kim discuss the necessity of updated estate plans, the new and more viable options for long-term care, and why a plan created ten years ago might be as risky as having no plan at all. Learn how to build a solid foundation today so you can thrive through your golden years rather than just surviving them.

Connect with Haven Financial Group on all platforms!

1. havenfinancialgroup.com

2. facebook.com/havenfinancialgroup

3. linkedin.com/company/haven-financial-group-mn

4. instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim dive into why retirement isn’t just an individual milestone—it’s a family team sport. Larry shares personal insights into educating the next generation of his own family and discusses the common (and sometimes stressful) reality of couples who aren't on the same page financially.

The conversation covers the critical importance of open communication, the "nuisances" of spousal IRAs, and why every couple needs a "stress-tested" plan that accounts for unexpected life changes like health issues or job acquisitions. Whether you are decades away from retirement or currently "holding the cards," this episode emphasizes that being in the know is the best way to ensure your financial future doesn't become a source of family friction.

Connect with Haven Financial Group on all platforms!

1. havenfinancialgroup.com

2. facebook.com/havenfinancialgroup

3. linkedin.com/company/haven-financial-group-mn

4. instagram.com/haven_financial_group