S3 E8: Planning Beyond the Numbers

In this episode of The Retireable Podcast, Mike Wallace and John Sauger dive into what it really means to manage wealth once you’ve “made it.” They unpack lessons from John’s recent high net worth forum, exploring how financial planning changes when clients move from needing their money to wanting it to work smarter. Topics include: • What defines “high net worth” today • Why tax management often matters more than investment management • Smart Roth conversion strategies and avoiding Medicare’s IRMAA surprise • How to use QCDs, donor-advised funds, and tax-loss harvesting effectively In their “Holistic Happening,” Mike shares a powerful story of a client who thought his retirement plan was set—until a second look revealed hundreds of thousands of dollars in potential tax savings. This conversation goes beyond wealth—it’s about clarity, control, and creating lasting value for your family.