Retirement Stats You Wouldn't Believe If I Didn't SHOW You

How much you need to retire quiz: https://bit.ly/Adam-OlsonShocking Retirement Facts You Wouldn’t Believe (…and how to fix them)Most people focus on hitting a “magic number.” The truth? A handful of overlooked facts can quietly wreck an otherwise solid retirement. In this video, I break down the most surprising (and costly) traps I see as a CFP—and how our Red Zone Retirement Planning Process helps you avoid them.What you’ll learnThe “tax torpedo” effect and why your MAGI matters more than your balanceHow IRMAA surcharges sneak up on high-income retireesWhy sequence-of-returns risk makes the first 5–10 years so criticalThe spending mistake that drains portfolios faster than you thinkRoth conversion windows (before RMDs/Medicare) most people missThe Go-Go / Slow-Go / No-Go framework to spend confidently and keep growingMy retirement frameworkWe align guaranteed income (Social Security, pensions, annuities, rental/dividends) to cover needs—then invest for wants (travel, hobbies, family) with a risk-right mix. Finally, we bucket assets for Go-Go, Slow-Go, and No-Go years so you’re protected early and positioned for growth later.Chapters00:00 Intro — The facts nobody tells you01:18 The tax torpedo (and how to defuse it)03:42 IRMAA & healthcare cost surprises06:05 Sequence-of-returns risk in plain English08:27 Smarter withdrawal guardrails (not just 4%)10:10 Roth windows before RMDs & Medicare12:04 The Go-Go / Slow-Go / No-Go plan14:20 Action steps & next movesWork with meIf you’re 5–7 years from retirement and want a clear, tax-smart income plan, let’s talk.📍 Adam Olson, CFP® — Red Zone Retirement Planning🌐 adamdolson.com | adamolson.bizEducational only. Not tax, legal, or investment advice. Consult your own CPA/attorney/financial professional. Investment risks include loss of principal. Mutual of Omaha Insurance Company and its affiliates. CFP® marks owned by CFP Board.#RedZoneRetirement #RetirementPlanning #TaxPlanning #RothConversions #RetirementIncome #SequenceOfReturns #IRMAA #SocialSecurity #GoGoYears #SlowGoYears #NoGoYears #WealthStrategy #FinancialPlanner #PreRetirement8426653.1Investing involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.