Last week Tony and D kicked off a two part series on four areas your advisor should have on their radar to help maximize your growth. In part two they cover the next two and get very practical about what real planning looks like when your life changes fast.

First they talk about alignment. Your portfolio should match your lifestyle, your income needs, and your real world transitions, especially if you are a business owner selling a company, changing jobs, or moving into retirement. They explain why a plan cannot be rigid, why returns are not linear, and why you want someone you can treat like a personal CFO to help take emotion out and run the numbers when big decisions show up.

Then they close with a simple question. Is your advisor a specialist or a generalist. If the advice feels generic, the investments look like a one size fits all model, or the answers sound like they are going in circles, that is a signal to ask better questions and demand a strategy built around your situation.

Have you heard the saying what got you here might not get you there. In this episode Tony and D kick off a two part series based on a white paper from Mark and break down the first two areas your advisor should have on their radar to help maximize your wealth.

First they talk about the big picture. Investing matters, but taxes, estate planning, and business strategies matter too and missing them can cost you opportunities you cannot rewind. Then they shift to how a real plan handles major economic and world changing events, from COVID to market shocks to the current AI wave, and why your advisor’s job is to pull emotion off the table and stay disciplined when headlines get loud.

If you want a smarter framework for year end planning, legacy thinking, and staying ready for whatever the market throws next, this episode is for you.

In part two of this two-part series, Tony and Derek break down the remaining five retirement surprises that catch most people completely off guard. From boredom-driven overspending and down markets early in retirement to required minimum distributions, caring for aging parents, and why your money still needs to grow, this episode focuses on the real-life challenges retirees actually face.

This conversation goes beyond market returns and dives into planning realities that can derail even the best-looking retirement accounts. Whether retirement is around the corner or still years away, this episode highlights why having a real plan matters more than chasing performance.

Today on The Capitalist Investor, Tony is back in the saddle as we kick off a special two-part series on the biggest surprises people face in retirement. We break down the first five unexpected challenges retirees run into, including rising taxes, health insurance gaps, sequence-of-returns risk, inflation shocks, and longevity risk. These are the issues most people never plan for, but absolutely should. Tony and the team share real examples, practical perspectives, and the “cheat codes” you need to retire with confidence.

Join us next week for part two, where we cover the remaining five surprises no one warns you about.

Having $5 million or more saved for retirement doesn’t mean you’re financially secure. In this episode, Dave and Derek break down the hidden risks wealthy retirees face — from tax drag and Medicare surcharges to concentration risk in tech, bond exposure mistakes, and long-term-care costs. They explain why planning ahead matters more at higher net-worth levels and share practical ways to reduce portfolio stress while maintaining growth. If you want to protect your retirement lifestyle, avoid over-hedging, and understand income strategies designed for big portfolios, this episode is for you.

👉 Schedule a conversation with the team at Strategic Wealth Partners to strengthen your retirement strategy: swpconnect.com

In this episode of The Capitalist Investor, Derek and Dave break down what smart philanthropy really looks like inside a long–term wealth plan. Giving isn’t just something you do at the end of the year. When you build giving into your plan with intention, it can lower taxes, support causes you believe in, and shape the legacy you want your family to carry on.

They walk through donor advised funds, qualified charitable distributions, the warm hands vs cold hands conversation, and the timing mistakes that cost families impact and control. If you’re nearing retirement or already in it, and you’ve ever wondered how giving fits into the big picture, this episode is a great place to start.

Derek and Dave take over this week and break down five retirement truths most people never hear from their advisor. They start with the difference between average returns and real returns, and why volatility matters more than the headline number on your statement. They unpack sequence-of-returns risk, explain how taxes quietly drain retirement savings, and walk through why a tax-diversified portfolio can make your money last much longer. Derek and Dave also hit inflation, over-lapping mutual funds, and the mindset shift every retiree needs to enjoy their next chapter. This is one of the clearest, most practical retirement conversations we’ve released all year.

Your brain can make or break your wealth. In this episode of The Capitalist Investor, Derek and Tony explore the battle between dopamine and discipline — why we chase quick wins, how emotional investing can sabotage your portfolio, and what it takes to build lasting wealth with patience and a plan. From meme stocks and NFTs to panic selling and loss aversion, they unpack the psychological traps that derail smart investors and how to train your brain to stay the course. Learn how to set goals, reward yourself the right way, and rewire your mindset for long-term success.

Keywords: investing, wealth, dopamine, discipline, financial planning, retirement, mindset, meme stocks, emotional investing, money habits