PODCAST · business
Lord and Richards
by Lord and Richards
Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.
Episodes
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Building Your Financial House: Retirement Planning, Tax Strategies & Advanced Investments
Building Your Financial House: Retirement Planning, Tax Strategies & Advanced Investments Is your financial future built on a strong foundation? From protecting your retirement savings to exploring tax-efficient strategies and new investment opportunities, creating lasting financial independence...
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10,000 Retirements: Stress-Testing Your Plan for Risk, Income and Long-Term Success
Retirement planning is about more than reaching a certain savings number. It is about understanding how your plan may hold up across different market environments, health care needs, income decisions, inflation pressures, and unexpected life events. In this discussion, Colin Richards introduces…
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Who Can You Trust to Help You Retire?
In this episode of Lord and Richards Show, Colin Richards explains why the years immediately before and after retirement can be some of the most important in your financial life. He discusses the transition from accumulating wealth to creating reliable retirement income, and why an investment...
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How Much Do You Really Need to Retire?
How much money do you actually need to retire? The answer is rarely a single universal number. In this discussion, Colin Richards explains why retirement planning should be based on your personal expenses, income sources, lifestyle, taxes, healthcare needs and long-term goals rather than relying…
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Preparing Your Retirement for Recessions, Market Downturns and Income Risk
Economic slowdowns and market declines are a normal part of long-term investing, but they can create very different challenges for retirees than for younger investors. In this discussion, Colin Richards explains why retirement planning should account for market volatility, income needs…
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3 Retirement Mistakes That Could Derail Your Financial Future
In this discussion, Colin Richards explores several common retirement planning mistakes that can create unnecessary risk for investors approaching or already in retirement. From becoming too emotionally attached to an investment or financial advisor to failing to build a comprehensive retirement...
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10,000 Retirement Scenarios: Stress-Testing Your Plan for Income, Risk and Healthcare
In this discussion, Colin Richards explains why retirement planning requires more than simply accumulating investments. A retirement strategy also needs to account for income, healthcare costs, market risk, inflation, liquidity, and the unexpected events that can affect a financial plan over…
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Retirement Risk Management: How to Protect Your Portfolio and Keep Growth Potential
Retirement investing is not only about pursuing growth. It is also about understanding which risks matter most, how those risks can change over time, and how your portfolio may respond when markets decline. In this discussion, Colin Richards explores a modern approach to retirement risk…
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The Income Problem Standing Between You and Retirement Freedom
In this conversation, Colin Richards explains what retirement freedom can look like beyond simply growing an investment account. He discusses the importance of building a retirement plan around time, health, wealth, income, taxes, healthcare, and legacy goals so you can make more confident...
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Tax Planning Strategies for High-Income Investors and Retirement Accounts
In this conversation, Colin Richards explains why tax planning can play a major role in retirement freedom, especially for high-income earners, accredited investors, and retirees with large traditional IRA balances. He discusses the difference between legally reducing taxes and simply ignoring…
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Retirement Planning During Geopolitical Uncertainty and Market Volatility
In this conversation, Colin Richards discusses how retirees and pre-retirees can think about investing during periods of geopolitical instability, war, oil price volatility, and market uncertainty. Rather than reacting emotionally to headlines, he explains why a retirement plan should be designed...
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How to Manage Retirement Risk Without Relying on Bonds
In this conversation, Colin Richards explains why traditional bond-heavy retirement portfolios may not provide the level of risk management many retirees expect. He discusses how investors can think more carefully about balancing growth, liquidity, safety, income planning, healthcare costs, and...
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Is the 60/40 Portfolio Still Safe for Retirement?
In this discussion, Colin Richards explains why retirees and pre-retirees may need to rethink how they manage market risk, especially when stock valuations appear elevated and traditional stock-and-bond portfolios may not offer the protection many investors expect. He discusses the importance of...
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Tax Strategies for Business Owners
In this conversation, Colin Richards explains why business owners often face unique retirement planning challenges, especially when business income, taxes, Social Security, Medicare, real estate, and long-term wealth planning intersect. He shares practical considerations for structuring income,...
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Building a Stronger Retirement Plan with Income, Tax, and Protection Strategies
In this conversation, Colin Richards explains how to think about retirement planning like building a strong financial house. A solid plan starts with a foundation of cash flow, emergency reserves, risk management, and income planning. From there, tax strategy, charitable giving, and legacy…
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Debt, Retirement Risk, and Why the 60/40 Portfolio May Not Be Enough
In this conversation, Colin Richards explains how debt decisions, co-signing, home financing, and portfolio structure can affect your long-term retirement plan. He discusses why certain types of debt may create unnecessary risk, how retirees and pre-retirees can think more carefully about helping...
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What Smart Retirement Planning Really Looks Like
In this conversation, Colin Richards explains why lasting retirement security depends on more than accumulating wealth. He focuses on the role of wisdom, discipline, and long-term decision-making in helping people prepare for retirement, manage uncertainty, and make better financial choices over...
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How to Organize Your Retirement Cash, Risk, and Income Strategy
In this conversation, Colin Richards explains how to think about financial stewardship in practical retirement terms by organizing money according to purpose, access, and risk. He outlines a simple framework for separating short-term cash needs, growth-oriented reserves, and income-focused assets...
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Are Your Investments Really Safe? Gold, Market Volatility, and Retirement Planning
In this conversation, Colin Richards discusses one of the biggest questions pre-retirees and retirees ask during uncertain markets: is my money really safe? He explains why fear-driven decisions can hurt long-term results, why gold may not be the safe haven many people assume, and how a…
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What Makes a Retirement Advisor Different, and Why It Matters
In this conversation, Colin Richards explains what sets Lord and Richards apart in retirement planning. He outlines a values-driven approach to financial decision-making, then walks through the practical retirement issues many families face, including income planning, debt, market risk, chronic...
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How Geopolitical Instability Affects Retirement Planning
In this discussion, Colin Richards explains how investors nearing or living in retirement can think through geopolitical instability without losing sight of a long-term financial plan. He outlines why short-term conflict, market volatility, and changing oil prices do not necessarily require a…
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Retirement Strategy for Uncertain Markets
In this discussion, Colin Richards explains why retirement planning should go beyond traditional stock and bond strategies and focus more directly on income stability and risk management. He breaks down how a portfolio can be designed to pursue growth while limiting exposure to major market…
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Patience vs. Panic: A Long-Term Plan to Build and Protect Wealth
In this conversation, Colin Richards shares a practical framework for building lasting financial freedom: how wealth is often created through patience, preserved through thoughtful protection, and ultimately enjoyed by aligning money with the people and priorities that matter most. Using familiar...
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The Truth About Annuities: How They Can Fit Into a Retirement Income Plan
In this discussion, Colin Richards explains what annuities are, why they are often misunderstood, and how fiduciary planning evaluates them as one tool among many in a comprehensive retirement strategy. With interest rates higher than they have been in years, he also outlines why today’s annuity...
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Building Financial Independence That Lasts. Preparing for Every Market Cycle
In this conversation, Colin Richards explains what true financial independence requires beyond simply picking investments. He shares why long term prosperity is built through discipline, planning, and preparation for both strong markets and downturns. We cover: • What financial independence…
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Freedom of Health in Retirement. Planning for Chronic Care Costs and Proactive Wellness
In this conversation, Colin Richards explains why “freedom of health” is a core part of retirement planning, right alongside freedom of time and reliable income. He breaks down the three types of care most retirees face, why chronic care can create major financial pressure, and how building the...
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How to Build More Reliable Retirement Income in Volatile Markets
In this conversation, Colin Richards explains how retirement income planning changes once you move from saving to living on your money. He walks through why common income approaches like portfolio withdrawals, dividends, CDs, and rental properties can create risk during downturns, and why the...
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Retirement Freedom: Time, Health, Wealth (and the Hidden Risk of the 4% Rule)
In this conversation, Colin Richards explains a practical framework for “retirement freedom” built around three essentials: freedom of time, freedom of health, and freedom of wealth. He breaks down why retirement planning is more than just picking investments, how major market downturns can…
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The “End Zone” Rule: Retirement Preparation Guide
Big market swings. Regulatory changes. Headlines designed to scare you. For many retirees and pre-retirees, the biggest fear is simple: running out of money - or not knowing if your plan can handle the next “2008.” In this episode of The Lord and Richards Show, CEO Colin Richards breaks down how…
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Move or Stay? Retirement Relocation Planning
Relocating in retirement can feel like a fresh start, but it can also create “sticker shock” fast. In this episode of The Lord and Richards Show, CEO Colin Richards breaks down the real-world financial (and lifestyle) factors to weigh before you move across the country or overseas. We cover: •…
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The Overlooked Side of Retirement: Purpose, Giving, and Legacy
Retirement is not just about stopping work. It’s about stepping into purpose. 💡 In this episode of The Lord and Richards Show, CEO Colin Richards and Dylan Schoonover break down how retirees can align their time and money with what matters most, while building a plan that supports sustainable...
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When Your Business Is Your Retirement Plan| How to Step Away Without Sacrificing Retirement Freedom
For many business owners and real estate investors, the business is the retirement plan — until it isn’t. Without intentional planning, selling or stepping back can create tax surprises, income gaps, and long-term financial stress. In this episode of The Lord and Richards Show, CEO Colin Richards...
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Risk Management & Asset Protection: Are You Taking More Risk Than You Realize?
Many retirees and high savers carry far more risk than they think. Market volatility, lawsuits, healthcare costs, fraud, and cybersecurity threats can quietly undermine even well-funded retirement plans. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan…
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Wealth Succession Planning: Make Sure Your Money Goes Where You Want
What happens to your money when you are gone? Without the right planning, your wealth can be diverted by taxes, outdated documents, or unintended beneficiaries. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down wealth succession planning and...
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Retire Early & Spend More: Lifestyle, Travel and Freedom of Time
Many savers enter retirement with plenty of assets but not enough life in their lifestyle. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover talk about lifestyle management in retirement, how to travel more, bless your family, and give generously, all...
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Everything You Need To Know About Social Security
Social Security is the most searched retirement topic in America — and for good reason. The rules are complex, the stakes are high, and one wrong move can permanently reduce your income. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover break down how...
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How To Protect Your Retirement From Health Care Costs
Health care is one of the biggest wild cards in retirement, and long term care costs can quietly threaten everything you have worked for. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack how chronic illness, Medicare and Medicaid rules, and…
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How Much Risk Is Too Much? A Guide to Smarter Investing in Retirement
Too many retirees carry Wall Street level risk with retirement level income needs. 📉 In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover unpack why affluent investors often have far too much downside exposure in the distribution phase and how to realign...
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Avoid Probate and Protect Your Legacy: The Truth About Wills and Trusts
Estate planning isn’t just about having a will—it’s about making sure your loved ones are protected and your wealth stays where it belongs. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover reveal how to keep your estate out of probate, avoid…
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Beating Inflation in Retirement: Protect Your Income and Outpace Rising Costs
Inflation can quietly erode your lifestyle — but with the right plan, you can stay ahead. In this episode of The Lord and Richards Show, CEO Colin Richards and co-host Dylan Schoonover explain how to protect your income, maintain purchasing power, and grow your wealth even as prices climb.…
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How to Build Tax-Free Retirement Income
The IRS will always take its share — unless you plan smarter. 💡 In this episode of The Lord and Richards Show, CEO Colin Richards and Dylan Schoonover reveal how high savers can legally reduce lifetime taxes and protect their wealth through strategic Roth conversions, smart timing, and…
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The New Rule of Retirement: Why 4% No Longer Works (and What Does)
The old “4 percent rule” doesn’t work for everyone. Colin Richards and Dylan Schoonover reveal modern withdrawal strategies that keep income steady even when markets drop. Your nest egg is only step one — the real challenge is turning it into steady, tax-smart income that lasts a lifetime. In…
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Don’t Outlive Your Money: The Secret to Sustainable Retirement Income
Your nest egg is only step one. The real challenge is turning it into steady, tax-smart income you can count on. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover break down the shift from accumulation to distribution and how to make your money last for life. We...
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Hidden Dangers in Your Portfolio: Avoid These Retirement Risks
Your portfolio might look strong, but hidden risks could threaten your retirement stability. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover uncover the truth about market risk, outdated investment strategies, and how to create lasting financial confidence.…
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Estate Planning 101: Avoid Probate, Update Beneficiaries, and Protect Your Legacy
Most families put off estate planning until it is too late. In this episode, Colin Richards and Dylan Schoonover break down what really matters so you can protect the people and causes you care about and keep more of your wealth. What you will learn: • The core documents every family needs now…
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The Hidden Retirement Expense: Long-Term Care Explained
Healthcare isn’t just a medical issue; it’s a financial one that can make or break your retirement. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover talk about the real costs of long-term care, why Medicare and Medicaid won’t cover everything, and how to plan…
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Why the 60/40 Portfolio Fails in Retirement — Smarter Strategies for Boomers
From the pitfalls of the old 60/40 portfolio to the hidden risks of target-date funds, Colin Richards and Dylan Schoonover reveal why traditional retirement strategies don’t hold up in today’s markets. They explain how sequence-of-returns risk can derail your income, why stocks and bonds can fall...
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The Retirement Tax Trap And How to Escape It
From RMD rules to Social Security surprises, Colin Richards and Dylan Schoonover unpack practical ways to cut your lifetime tax bill in retirement. We explain why the pre-RMD window can be a sweet spot, how to shift from tax-deferred to tax-free, and simple strategies that help you keep more of...
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The Truth About Annuities
From Roman “written-in-stone” promises to modern retirement tools, Colin Richards and Dylan Schoonover break down what annuities are, how they work, and where they might fit in a barbell-style retirement plan. We cover the big three (fixed, immediate, and variable) plus today’s fixed indexed...
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Freedom of Money
Retirement isn’t just about stopping work, it’s about gaining freedom. In this episode of The Lord and Richards Show, Colin Richards and Dylan Schoonover explore the Freedom of Money and why it’s the foundation of a confident, fulfilling retirement. We’ll cover: • Why the old “set it and forget…
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ABOUT THIS SHOW
Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.
HOSTED BY
Lord and Richards
CATEGORIES
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How many episodes does Lord and Richards have?
Lord and Richards currently has 113 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Lord and Richards about?
Lord and Richards is a firm dedicated to helping people become more financially independent and better able to cope with the changing world around them from a biblical point of view.
How often does Lord and Richards release new episodes?
Lord and Richards publishes regularly with 113 episodes available. Check the episode list for the typical release schedule.
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Who hosts Lord and Richards?
Lord and Richards is created and hosted by Lord and Richards.
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