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Wealth Creator Radio with Eric Heckman, CFP: Daily Summaries Delivered
by Eric Heckman
Welcome to Wealth Creator Radio with Eric Heckman CFP®, the ultimate podcast for individuals transitioning from working life to retirement. Hosted by veteran financial strategist Eric Heckman, this show is your go-to resource for crafting a secure and prosperous retirement income plan. Through insightful interviews with Eric Heckman CFP® and other leading financial experts and advisors, you'll gain valuable knowledge and actionable tips to navigate your transition into retirement with confidence. Each episode is packed with sound advice and real-world examples to help you achieve financial peace of mind on topics such as retirement planning, financial planning, income structuring, tax optimization, and longevity planning. We share how to create a robust financial plan tailored to your retirement needs, strategies for structuring your money to ensure a steady income stream throughout your retirement, expert advice on how to efficiently take money out of your retirement accounts, how to place your assets in the right tax pockets to maximize your savings, how to make your money last as long as you do and more.
Latest Episodes
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- Today46 min
5 Common Retirement Questions
It’s no secret-- retirement planning can be overwhelming. Even people who've done everything right can suddenly have more questions than answers. Right now, more retirees than ever are sitting down with a financial advisor for the very first time. If you have retirement questions, too – you’re in luck.Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- 5 days ago46 min
The Roth Conversion Window
With a lot of uncertainty about where taxes are headed, more and more people are taking a serious look at Roth conversions. The idea of moving money out of a traditional IRA into a Roth — paying taxes now so withdrawals can be tax-free later — makes sense on paper. But then they see the tax bill that comes with it, and many of them stop right there. Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- 5 days ago46 min
Markets Too Good to Be True?
The stock market has been trading near record highs — but a lot of people aren't celebrating. A new survey found that 74% of Americans worry recent market highs are unsustainable. If you've spent decades building your retirement savings, that kind of uncertainty can leave you feeling stuck.Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- 5 days ago45 min
Open Enrollment Season
Medicare's annual Open Enrollment is here. It runs from October 15 through December 7 — a seven-week window that is your main chance each year to review your coverage and make changes for the year ahead. If you've spent a lifetime saving for retirement, this is one of those windows you don't want to let slip by. Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- 3 weeks ago46 min
The 30-Year Tax Strategy: Optimizing What You Keep in Retirement
Ask people what their biggest expense in retirement will be, and you’ll often hear healthcare, housing, or travel. But for many retirees, the real answer is taxes, quietly built into the retirement accounts they spent a lifetime filling up. On this episode of Wealth Creator Radio, I share why taxes may be your largest retirement expense, the hidden tax landmines that catch retirees off guard, and how a multi-year tax plan can help you keep more of what you’ve saved. Plus, we break down some of the IRS “Dirty Dozen” tax scams to watch out for. Watch Out for the IRS Dirty Dozen Each year, the IRS flags its “Dirty Dozen” list of tax scams. A few of the most common include: Phishing emails: Messages that look official, sometimes even appearing to come from services like DocuSign, designed to get you to click a link or enter personal information. Bad social media tax advice: “Too good to be true” tax strategies that can land you in serious trouble with the IRS. Fake IRS helpers: Scammers posing as third parties offering to help set up your IRS account. Remember, the IRS generally contacts you by mail, not by phone. Fake charities: Before donating, research the organization, check reviews, and confirm it’s legitimate. One simple tip: if you’re reading a suspicious email on your phone, hit “forward.” That often reveals the sender’s full email address, which can quickly show you it’s not from who it claims to be. Tax Preparation vs. Tax Planning Many people believe they have a tax strategy because they work with a CPA or tax preparer each spring. But tax preparation is really tax reporting. It’s like a reporter at the scene of the crime: this is what happened, and there’s very little you can do about it now. Tax planning is like installing the locks and alarm system before anything happens. It means making proactive decisions throughout the year, such as which accounts to withdraw from, whether Roth conversions make sense, and whether tax-loss harvesting could help. The goal isn’t just to pay less this year, but to pay less over your lifetime. Your 401(k) Has a Mortgage If you have a $1 million home with a $300,000 mortgage, you’d say you have $700,000 of equity. But if you have $1 million in a 401(k), most people say they have $1 million. The truth is, your tax-deferred accounts carry a built-in debt to the IRS and the state. If all your money is in tax-deferred accounts, your only tax plan is to pay whatever the tax bill turns out to be. Retirement Taxes Are a 30-Year Game Retirement can last 30 years or more, and tax rules will almost certainly change along the way. It’s like playing a board game where someone swaps out the board halfway through. Required minimum distributions (RMDs) are a good example. The starting age has moved from 70½ to 72 to 73, and it’s 75 for those born in 1960 or later. Many retirees are surprised to find themselves in a higher tax bracket in their mid-70s than they were during their working years. The Hidden Tax Landmines in Retirement Several tax traps can quietly raise your costs in retirement: RMDs: Required withdrawals start around 4% and grow larger as you age. Social Security taxation: Taking more from your IRA can cause more of your Social Security benefits to be taxed. IRMAA: Higher income can increase your Medicare Part B and Part D premiums. The senior deduction: Higher income can phase out the temporary $6,000 senior deduction, which is currently scheduled through 2028. The widow’s penalty: When a spouse passes away, the survivor often moves to single filing status, where tax brackets are much narrower. Many survivors end up paying more tax on less income. Diversify Your Taxes, Not Just Your Investments Most people think about diversification in terms of stocks and bonds. But tax diversification may be just as important. Think of your savings in three buckets: Tax-free: Roth accounts, specially designed life insurance, and municipal bond income. Taxable: Brokerage and savings accounts, which are taxed each year but have cost basis. Tax-deferred: 401(k)s and IRAs, which are taxed when you withdraw. Having money in each bucket gives you flexibility to manage your tax bracket year by year. If tax rates rise, a heavily tax-deferred portfolio can lose far more to taxes than a slightly higher investment return can make up. Tax Planning Is a Gift to Your Family Under the SECURE Act, most non-spouse beneficiaries now have
- Sep 22, 202647 min
Family Confidence in Retirement
You'd think people without children — who don't pay for childcare, tuition, or all the costs that come with raising a family — would feel the most confident about retirement. But according to a new study… the exact opposite is true. The reason why is something every one of us can actually do something about. Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- Sep 22, 202646 min
Retirement Paycheck Predicament
Your parents or grandparents retired with a pension—a guaranteed check every single month for the rest of their lives. The company handled the investing, managed the risk, and your folks just cashed the check. That world is gone for most Americans. So here’s the question: if the pension disappeared, what exactly replaced it, and is it enough? Blueprint to Worry Less Wealth The Wealth Creator Toolbox
- Aug 28, 202646 min
The Medicare Scare
If you've been following retirement news recently, you may have seen some pretty scary headlines about Medicare Part D. Words like "cuts," "slashed," and "seniors at risk." Before you change your whole financial strategy over this, let's put it in perspective.
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About Wealth Creator Radio with Eric Heckman, CFP
Welcome to Wealth Creator Radio with Eric Heckman CFP®, the ultimate podcast for individuals transitioning from working life to retirement. Hosted by veteran financial strategist Eric Heckman, this show is your go-to resource for crafting a secure and prosperous retirement income plan. Through insightful interviews with Eric Heckman CFP® and other leading financial experts and advisors, you'll gain valuable knowledge and actionable tips to navigate your transition into retirement with confidence. Each episode is packed with sound advice and real-world examples to help you achieve financial peace of mind on topics such as retirement planning, financial planning, income structuring, tax optimization, and longevity planning. We share how to create a robust financial plan tailored to your retirement needs, strategies for structuring your money to ensure a steady income stream throughout your retirement, expert advice on how to efficiently take money out of your retirement accounts, how to place your assets in the right tax pockets to maximize your savings, how to make your money last as long as you do and more.
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