• Decoding Financial Behaviors
    Oct 24 2025

    Kristina discusses the various financial behaviors and money personalities that can impact retirement planning. The conversation explores how frugality may not equate to financial wisdom, the common disagreements couples face regarding finances, and the importance of communication in managing money as a partnership. Additionally, the episode delves into tax challenges for married couples in retirement, the implications of social security decisions, and the complexities of home equity and Roth conversions. Overall, the discussion emphasizes the need for strategic planning and open dialogue to ensure a successful retirement.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    See omnystudio.com/listener for privacy information.

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    53 mins
  • The Phases of a Long Retirement
    Oct 17 2025

    Kristina discusses the various phases of retirement, likening them to the sides of a vinyl record. The first decade, or 'go-go years', is characterized by energy and spending, while the later years require careful planning for healthcare, legacy, and emotional transitions. The importance of purpose, communication, and managing relationships during retirement is emphasized, along with the need for a sustainable lifestyle and proactive tax strategies. Kristina also addresses listener questions about navigating retirement challenges and finding joy in this new phase of life.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    54 mins
  • The Busy First Year of Retirement
    Oct 3 2025

    Kristina discusses the realities of retirement, emphasizing that many retirees find themselves busier than expected. She highlights the importance of establishing a new routine, budgeting for healthcare costs, and understanding Medicare and IRMA. The discussion also covers long-term care planning, the benefits of Health Savings Accounts, and the significance of flexibility in retirement planning to adapt to life's changes.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    54 mins
  • Rethinking Retirement Savings
    Sep 26 2025

    Kristina discusses the changing landscape of retirement planning, emphasizing the importance of understanding individual income needs, budgeting, and the realities of retirement savings. She highlights the outdated notion of needing a million dollars to retire comfortably and stresses the significance of having a comprehensive plan that includes tax considerations, mental readiness, and investment strategies. Kristina also addresses common concerns about annuities, alternative investments, and the risks associated with market fluctuations, providing insights into how to navigate these challenges effectively.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    52 mins
  • The Financial Landscape for Gen X Retirees
    Sep 12 2025

    Kristina discusses the unique challenges and considerations facing Generation X as they approach retirement. With the oldest Gen Xer now 60, the focus shifts from whether they can retire to how they can do it effectively. Key topics include retirement readiness, healthcare costs, emotional readiness, and the importance of a comprehensive financial plan. Kristina emphasizes that retirement is not just about reaching a certain age but about individual circumstances and planning for longevity and potential healthcare needs. The conversation also covers strategies for managing spending in retirement, tax implications, and the significance of legacy planning.

    Reach Kristina at 844-823-6387

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.como

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    54 mins
  • Future-Proofing Your Retirement: Strategies for 2025
    Aug 29 2025

    This conversation explores the evolution of retirement planning over the past 30 years, emphasizing the need for updated strategies in light of changing economic conditions, inflation, and tax implications. Kristina covers the inadequacies of the 4% withdrawal rule, the importance of proactive tax planning, and the role of various investment vehicles such as bonds, CDs, annuities, and dividend stocks in creating a sustainable retirement income. The conversation also highlights the significance of understanding required minimum distributions (RMDs) and their impact on retirement finances.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    53 mins
  • Annuities in a Changing Interest Rate Environment
    Aug 22 2025

    Kristina discusses the current landscape of annuities in light of rising interest rates, the implications of required minimum distributions (RMDs), and the importance of comprehensive retirement planning. She emphasizes the need for individuals to review their financial strategies, particularly regarding annuities, taxes, and long-term care, to ensure a secure retirement. The discussion also highlights the significance of understanding the impact of the Secure Act on retirement accounts and the benefits of Roth conversions and health savings accounts (HSAs).

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    See omnystudio.com/listener for privacy information.

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    54 mins
  • Tax Strategies for Retirement Income
    Aug 15 2025

    Kristina covers the critical aspects of retirement planning, addressing common myths and misconceptions that can lead to financial pitfalls. She emphasizes the importance of having a written retirement plan, understanding healthcare costs, and the limitations of Social Security. The discussion also covers tax strategies for retirement income, the challenges of early retirement, and the significance of planning for inflation.

    Reach Kristina at 844-823-6387.

    Powerful Legacy Insurance and Financial Services

    www.yourpowerfullegacy.com

    www.powerfultaxbill.com

    See omnystudio.com/listener for privacy information.

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    51 mins