Planning for Retirement with Kevin Lao
By Kevin Lao
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Category: Investing
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Episodes: 140
Description
After more than 17 years serving retirees, I’ve seen the same pattern: people spend 30–40 years building wealth, but the biggest financial decisions happen right before and after retirement.
I’m Kevin Lao, a fiduciary financial advisor specializing in retirement income planning, Roth conversions, Social Security, tax strategies, RMDs, and smart investing for those with $1M+ saved.
If you’re within 10 years of retirement or already retired and want clarity, confidence, and tax-efficient income, this podcast is for you. Bonus points if you love golf!
| Episode | Date |
|---|---|
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139: Dave Ramsey Was Right, The 8% Withdrawal Rule Works...Sometimes.
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Sep 15, 2026 |
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138: Planning To Retire Before Social Security? How To Build A Plan For 'The Bridge Years'
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Sep 08, 2026 |
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137: Retirees: Don't Make These Mistakes With Bonds
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Sep 01, 2026 |
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136: Retiring with $4million all in tax deferred accounts. How much can they spend while also preserving their principal? (Case Study)
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Aug 25, 2026 |
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135: Retirement Tax Planning Should Start Now! Tax Planning vs. Tax Preparation in 2026.
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Aug 18, 2026 |
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134: Relocating For Retirement? Here's How You Need To Change Your Estate Plan (w/ Ryan Smith)
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Aug 11, 2026 |
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133: Will Social Security Benefits Get Cut By 22%? Or Will "The PROMISE Act" Save The Social Security Shortfall?
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Aug 04, 2026 |
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132: Unretired and Making the Most of Your "Third Act" (w/ Sandy Vecchi)
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Jul 28, 2026 |
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131: Why I'm Telling This 59-Year-Old to Stop Saving for Retirement (Case Study)
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Jul 21, 2026 |
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130: The Retirement Playbook Changes When You're Single (Here's What Nobody Talks About)
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Jul 14, 2026 |
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129: Retirement Q&A: 4% Rule, 60/40 Portfolio, Trump Accounts & Biggest Regret
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Jul 07, 2026 |
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128: 5 Reasons Delaying Social Security Could Be a Mistake
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Jun 23, 2026 |
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127: (Case Study) Pension + Social Security + $2 Million Saved...The Retirement Planning Opportunities Change!
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Jun 16, 2026 |
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126: 7 Retirement Expenses That Catch Retirees By Surprise
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Jun 09, 2026 |
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125: 12 Roth Conversion Landmines That Could Cost Retirees Thousands
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Jun 02, 2026 |
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124: 7 Reasons Retirees Should Consider Roth Conversions
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May 26, 2026 |
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123: Trump Accounts: Smart Move or Overhyped?
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May 19, 2026 |
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122: 7 Tax-Free/Efficient Retirement Strategies Every Retiree Needs to Know
|
May 12, 2026 |
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121: 5 Tax Planning Strategies When You’re High Net Worth, but Poor on Paper
|
Mar 24, 2026 |
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120: 5 Retirement Strategies to Protect Your Portfolio During the Iran Oil Crisis
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Mar 17, 2026 |
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119: Social Security for Married Couples: The Survivor Benefit Mistake
|
Mar 10, 2026 |
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118: Should You Annuitize in Retirement? 4 Surprising Benefits
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Mar 03, 2026 |
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117: TIAA Traditional Explained: How Much to Keep, When to Use It, and What to Do at Retirement
|
Feb 24, 2026 |
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116: Are You Stuck in “One More Year Syndrome”?
|
Feb 17, 2026 |
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115: “The 40-Year Retirement Test: Why the 4% Rule Might Be Making You Work Too Long”
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Feb 10, 2026 |
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114: Retirement Planning If You Live to 100: 5 Moves You Can't Ignore
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Feb 03, 2026 |
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113: “Elon Musk Says Stop Saving for Retirement… Here Are 3 Things To Do Instead”
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Jan 27, 2026 |
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112: The Retirement Tradeoff: Maximize Spending In The Go-Go Years & Lifetime Gifting vs Long-Term Care
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Jan 20, 2026 |
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111: 6 Things To Watch For In The Market For 2026 (Retirement Edition)
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Jan 13, 2026 |
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110: The Tax Trap of Traditional 401ks and IRAs (Rewind)
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Jan 06, 2026 |
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109: 50 Truths Retirees Wish They Knew Before Firing Their Boss (Rewind)
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Dec 30, 2025 |
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108: Underspending in Retirement, How to Position an Annuity, Pre-Tax vs. Roth Debate (Q+A Session)
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Dec 23, 2025 |
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107: 6 Paths to Health Insurance for Early Retirees
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Dec 16, 2025 |
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106: Can You Quantify the Value of a Financial Advisor?
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Dec 09, 2025 |
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105: Whiteboard Retirement Plan (Retire with $2.3 million AND Die with $2.3 million)
|
Dec 02, 2025 |
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104: 8 Roth Conversion Tax Traps
|
Nov 25, 2025 |
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103: 100 Episodes, 100 Lessons (Part 4)
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Nov 11, 2025 |
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102: 100 Episodes, 100 Lessons (Part 3)
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Nov 04, 2025 |
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101: 100 Episodes, 100 Lessons (Part 2)
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Oct 28, 2025 |
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100: 100 Episodes, 100 Lessons (Part 1)
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Oct 21, 2025 |
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99: How Do We Design a Plan When My Spouse And I Feel Differently About Retirement Income? How Do I Possibly Calculate How Much I'll Need For Long-term Care Costs? + more! (Retirement Q&A Session)
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Oct 14, 2025 |
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98: Convert to Roth before RMDs? Scared to Spend? Age Gap Early Retirement! (Retirement Q&A Session)
|
Oct 07, 2025 |
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97: The Four Phases of Retirement - And How To Skip The Dark and Depressing Phase
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Sep 30, 2025 |
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96: Short-form Media is Ruining America, and Their Retirements
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Sep 23, 2025 |
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95: Can We Retire 5 Years Earlier? | Whiteboard Retirement Plan
|
Sep 16, 2025 |
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94: Reducing Sequence of Returns Risk
|
Sep 09, 2025 |
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93: 10 Pieces of Financial Wisdom for Your Adult Children
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Sep 02, 2025 |
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92: Should The 4% Rule Be The 7% Rule?
|
Aug 26, 2025 |
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91: What Can We Learn From Gene Hackman's Estate Planning Nightmare?
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Aug 19, 2025 |
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90: Marilyn Was Forced To Retire @ 60 w/ $1.95million Saved. Can She Do It?
|
Aug 12, 2025 |
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89: Retirement Related Q&A w/ A CFP (Inherited Roth IRAs, IRA to HSA Rollover, Stock Allocations for Retirees, and more!)
|
Aug 05, 2025 |
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88: Work Optional Side Hustles in Retirement
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Jul 29, 2025 |
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87: 9 Bad Pieces of Financial Advice for Retirees To Avoid
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Jul 22, 2025 |
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86: Trump's Tax Bill and How It Impacts PFR Nation
|
Jul 15, 2025 |
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85: How And What Am I Paying My Financial Advisor?
|
Jul 08, 2025 |
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84: Retire @ 58 w/ $3million. Prioritize ACA Premium Tax Credits or Roth Conversions?
|
Jul 01, 2025 |
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83: 'Oversaved' for Retirement? Here Are 6 Opportunities To Consider.
|
Jun 24, 2025 |
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82: Retirement Related Q+A (Volume 1)
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Jun 17, 2025 |
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81: Financial Support or Enabling Your Adult Children?
|
Jun 10, 2025 |
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80: Are You Feeling Behind for Retirement? Here Are 6 Things You Should Consider
|
Jun 05, 2025 |
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79: 9 Reasons to Delay Social Security
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May 27, 2025 |
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78: Give Now or Give Later? The Million-Dollar Question (Whiteboard Retirement Plan Volume 6)
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May 20, 2025 |
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77: Should You Sell in May And Go Away?!
|
May 13, 2025 |
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76: The Unsung Hero of Retirement Accounts
|
May 06, 2025 |
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75: 12 Takeaways From Retirement Planning Reviews in 2025
|
Apr 29, 2025 |
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74: Don't Wait To Spend Your Roth Accounts! Vol. 5 Whiteboard Retirement Plan
|
Apr 22, 2025 |
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73: When The VIX Is High, It's Time To Buy
|
Apr 15, 2025 |
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72: My Top 20 Golf Courses
|
Apr 08, 2025 |
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71: Bullish on Bonds!?
|
Apr 01, 2025 |
|
70: Celebrating 4 Years of Independence
|
Mar 25, 2025 |
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69: 14 Ways to Protect Your Retirement from a Bear Market
|
Mar 18, 2025 |
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68: 9 Reasons to Claim Social Security Early
|
Mar 11, 2025 |
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67: Retire at 62/61 with $1million IRA, Optimize Social Security, Managing IRA Withdrawals, Optimize Taxes
|
Mar 04, 2025 |
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66: 7 Reasons Not To Convert Your IRA to Roth
|
Feb 25, 2025 |
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65: Tax Preparation is Not Tax Planning (w/ Roberto Fortuna)
|
Feb 18, 2025 |
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64: Warren Buffett Says To Do 'This' With Your Will
|
Feb 11, 2025 |
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63: Retirees - Should You Give Yourself a Raise?
|
Feb 04, 2025 |
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62: 'Save More Money' = Top New Year's Resolution for 2025
|
Jan 28, 2025 |
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61: Benefits of 'Working' in Retirement (w/ Roberto Fortuna)
|
Jan 23, 2025 |
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60: 5 Things to Watch in the Markets for 2025
|
Jan 09, 2025 |
|
59: We've Been Retired for 8 Years, How Are Things Going? 'Whiteboard Retirement Plan' Vol 3 Ft. Sonny and Cher
|
Dec 26, 2024 |
|
58: Let's Ask 'Chat GPT' When You Should Hire a Financial Advisor!
|
Dec 12, 2024 |
|
57: End of Year Tax Planning Opportunities
|
Nov 28, 2024 |
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56: Aging In Place w/ Michael Levine
|
Nov 14, 2024 |
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55: Trump vs. Harris on Taxes
|
Oct 31, 2024 |
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54: Behavioral Biases Against Annuities and How They Harm Everyday Retirees (w/ Sheryl Moore and Tracy Lownsberry)
|
Oct 17, 2024 |
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53: Ages 58/54, COAST to retirement with $5.5mm and make a multi generational impact ('Vol 2 Whiteboard Retirement Plan')
|
Oct 02, 2024 |
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52: The Sandwich Generation: Planning for Retirement, Juggling College Funding, and Caring for Aging Parents (w/ Jeff McDermott)
|
Sep 18, 2024 |
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51: Artificial Intelligence, Bitcoin, and Should these Emerging Technologies Have a Place in Your Investment Portfolio? (w/ Brian Bonewitz, CFA)
|
Sep 04, 2024 |
|
50: 50 Truths Retirees Wish They Knew Before Firing Their Boss
|
Aug 22, 2024 |
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Welcome to "The Planning for Retirement Podcast"
|
Aug 21, 2024 |
|
49: Vol 1 of “Whiteboard Retirement Plan” - Should I Retire with $1.5mm Invested at Age 65? (Withdrawal Rates, Spending Phases, Roth conversions, Social Security Timing, and Long-term Care Planning)
|
Aug 08, 2024 |
|
48: "Downsizing" to Retire Early
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Jul 25, 2024 |
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47: Should You Relocate in Retirement?
|
Jul 11, 2024 |
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46: Should I "Die with Zero?"
|
Jun 27, 2024 |
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45: Should I Invest in my Company Stock?
|
Jun 14, 2024 |
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44: How Much Will I Spend in Retirement?
|
May 30, 2024 |
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43: Stop Planning for a “Normal” Retirement Age
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May 16, 2024 |
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Ep. 42 - Wealth Protection and Transfer in a Blended Family (with Tim & Alexis Woodward)
|
May 02, 2024 |
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Ep. 41 - Blending & Building Wealth in a Blended Family (w/ Tim and Alexis Woodward @ Blend Wealth)
|
Apr 18, 2024 |
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Ep. 40 - What this election year means for your investment portfolio
|
Apr 04, 2024 |
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Ep. 39 - Are you getting too conservative too early before retirement?
|
Mar 21, 2024 |
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Ep. 38 - Leveraging legislative changes to maximize your company retirement plans (w/ Alex Jenkins from NestEggs)
|
Mar 07, 2024 |
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Ep. 37 - 3 flexible retirement withdrawal strategies to maximize spending during your lifetime
|
Feb 22, 2024 |
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Ep. 36 - Asset location to improve tax efficiency in retirement
|
Feb 08, 2024 |
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Ep. 35 - Using a reverse mortgage as part of your retirement income strategy
|
Jan 25, 2024 |
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Ep. 34 - Top investment mistakes retirees have made since 2020
|
Jan 17, 2024 |
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Ep. 33 - My sincere gratitude, plus a few tax planning observations as we close out 2023
|
Dec 28, 2023 |
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Ep. 32 - Tactical ways to reduce your anxiety transitioning from saving to spending in retirement
|
Dec 14, 2023 |
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Ep. 31 - Nontraditional retirement planning using real estate, tax planning, and end of year charitable gifting opportunities (featuring Brady Slack)
|
Nov 30, 2023 |
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Ep. 30 - Is it harder to go from spender to saver pre-retirement, or saver to spender in retirement? (Featuring Cody Garrett)
|
Nov 16, 2023 |
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Ep. 29 - Is the 60/40 portfolio dead for retirement planning?
|
Nov 02, 2023 |
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Ep. 28 - The top estate planning concern leading DIY investors to hire a fiduciary financial advisor, and what you can learn from it!
|
Oct 19, 2023 |
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Ep. 27 - Which type of permanent life insurance policy should I own in retirement?
|
Oct 05, 2023 |
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Ep. 26 - 7 reasons to own permanent life insurance in retirement
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Sep 21, 2023 |
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Ep. 25 - The #1 Value Add a Comprehensive Financial Planner Provides For Retirees
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Sep 07, 2023 |
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Ep. 24 - Self Funding Long-term Care Expenses
|
Aug 24, 2023 |
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Ep. 23 - Using Hybrid Long-term Care to Fund Extended Care Costs in Retirement
|
Aug 10, 2023 |
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Ep. 22 Paying for Extended Care with Traditional Long-term Care Insurance (with Peter Ciravalo and Rodney Mogen)
|
Jul 27, 2023 |
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Ep. 21 - Purpose in Retirement and the Purpose of this Podcast
|
Jul 13, 2023 |
|
Ep. 20 - How to Reduce Taxes on your Social Security Income
|
Jun 29, 2023 |
|
Ep. 19 - Tax Loss Harvesting to Create Tax Free Retirement Income
|
Jun 15, 2023 |
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Ep. 18 - Roth Conversion Strategy Could Save Over $427k in Taxes!
|
May 31, 2023 |
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Ep. 17 - The Consequences of Extended Care in Retirement (featuring Harley Gordon)
|
Mar 24, 2023 |
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Ep. 16 - How to Prepare for Required Minimum Distributions (RMDs)
|
Mar 01, 2023 |
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Ep. 15 - 2023 Market Outlook
|
Jan 27, 2023 |
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Ep. 14 - "Retirees - Stop Under-spending in Your Go-Go Years"
|
Sep 15, 2022 |
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Ep. 13 - Planning for Healthcare Costs in Retirement - Medicare Considerations (featuring Ari Parker, Lead Medicare Advisor @ Chapter)
|
Aug 27, 2022 |
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Ep. 12 - Should I pay off my mortgage early?
|
Aug 15, 2022 |
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Ep. 11 - What is Tax Planning vs. Tax Preparation?
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Jul 22, 2022 |
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Ep. 10 - Six Reasons to Take Advantage of Roth Conversions
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Apr 23, 2022 |
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Ep. 9 - The 5 Most Common Estate Planning Mistakes
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Apr 22, 2022 |
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Ep. 8 - What to do when stocks are volatile?
|
Jan 25, 2022 |
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Ep. 7 - Retirement Income Withdrawal Strategies
|
Jan 07, 2022 |
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Ep. 6 - 4 Tax Strategies As We Approach Year End
|
Dec 07, 2021 |
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Ep. 5 - What is a safe rate of withdrawal in retirement?
|
Jul 29, 2021 |
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Ep. 4 - Maximizing Social Security Benefits for Retirement
|
May 26, 2021 |
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Ep. 3 - Four Stress Tests For A Bulletproof Retirement Plan
|
Mar 22, 2021 |
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Ep. 2 - The Tax Trap of Traditional 401ks and IRAs
|
Feb 12, 2021 |
|
Ep. 1 - Introduction to The "Planning For Retirement" Podcast
|
Feb 01, 2021 |