American College of Financial Services (Horizons Conference) 2026: Part 2

The most expensive retirement mistakes are rarely about picking the wrong stock. They usually come from blind spots: taxes you did not see coming, income tools you never learned, and assets you forgot to count. From the sold-out Horizons 2026 conference, I’m sharing Part 2 of a special interview series with four nationally known retirement planning voices: Jamie Hopkins, Dr. Wade Pfau, David McKnight, and Don Graves.Jamie Hopkins explains why most people are visual learners and how clearer visuals can make retirement planning simpler and more actionable. We also dig into “pay yourself first” as a foundation for retirement income security, plus a surprisingly powerful idea for the next chapter of life: retirement as your chance to rebuild community on purpose instead of living inside the “accidental communities” created by school and work. He also shares practical ways he teaches his kids real money skills using modern tools and hands-on experiences.Dr. Wade Pfau brings the conversation into advanced retirement tax planning, including how to think about Roth conversions through the lens of current income, spending needs, and lifetime tax rates. We talk about real-world “cliffs” like IRMAA Medicare premium surcharges and why paying the lowest lifetime tax can matter more than avoiding taxes today. David McKnight then walks through tax-free wealth planning concepts, including how an index universal life insurance policy may serve as a volatility buffer to help manage sequence-of-returns risk and provide additional long-term care options. Finally, Don Graves makes the case for housing wealth and reverse mortgages as a legitimate fourth bucket that can strengthen cash flow and create more tax-smart withdrawal choices.Subscribe to the podcast, share this with someone nearing retirement, and leave a review with your biggest retirement tax question so we can address it next.Send us Fan MailTo learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com