On The Money Radio Show with Jerry & Nick Royer

"Is your retirement income built to weather a financial storm, or are you unknowingly flying solo?" Inflation, rising costs, and surprise market turbulence have sent many retirees back to work—sometimes out of necessity, not choice. In this episode, discover why the difference between ‘work optional’ and ‘work required’ comes down to layers of planning, hidden vulnerabilities, and understanding whether your autopilot is truly programmed for your own journey. Are cracks lurking beneath the surface? The answer may change your retirement course.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

"Are your retirement savings truly safe from the market's next storm?"Discover how emotion-driven decisions and hidden risks can derail decades of careful saving. Jerry and Nick Royer reveal overlooked pitfalls, clarify the difference between “red money” and “green money,” and share strategies for staying steady when markets turn turbulent. With insider insights and tools for stress-testing your plan, this episode cuts through the noise—setting the stage for smarter, more coordinated retirement decisions. The full story is just getting started.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week on "On The Money," Jerry and Nick Royer explored the concept of risk in retirement—with a special focus on how emotional decisions and lack of planning can undermine even the most well-funded nest eggs. They discussed the four warning signs that may indicate you're taking on too much risk: constantly checking your investment accounts, losing sleep over market drops, making panic-driven or emotional investment decisions, and chasing returns based on tips or trends. The Royers emphasized the importance of understanding your personal risk tolerance and the need for a balanced, diversified approach.The show also covered critical obstacles that can disrupt retirement, including inflation, taxes, health care costs, and lack of structure. Jerry and Nick detailed their “bucket strategy” approach, which organizes savings into now, soon, and later buckets—each with a specific purpose to ensure dependable income, growth, and legacy planning. They stressed the significance of actionable planning, including smart tax withdrawals, Medicare understanding, and preparing for longevity.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer, discussed the hidden risks of retirement planning, especially when markets are rising. While a strong market can create a sense of security, the show explored how complacency may leave retirees and pre-retirees exposed to unforeseen threats like market downturns, healthcare costs, inflation, taxes, and unexpected expenses. The Royers emphasized the importance of having not just investment strategies, but also coordinated plans for income, tax management, healthcare, and legacy needs.Listeners learned that protecting their savings and ensuring long-lasting income in retirement requires a resilient and comprehensive plan. The Royers encouraged reviewing critical questions—such as cash reserves, income needs, healthcare preparedness, and inflation protection—to avoid common pitfalls. Stress testing portfolios, verifying diversification, and coordinating all aspects of retirement are necessary steps.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s episode of "On the Money" with Jerry and Nick Royer focused on helping retirees and near-retirees navigate the hidden tax traps that can threaten retirement security. The Royers introduced their “Tax Survival Guide for 2026,” answering common listener questions about how retirement income from sources like Social Security, IRAs, and pensions often stacks up in unexpected ways—potentially pushing retirees into higher tax brackets and causing a ripple effect with Medicare premiums and Social Security taxes. They emphasized essential strategies such as having a personalized “tax map” or blueprint for withdrawals, understanding "bracket creep," and not taking money from the wrong accounts at the wrong time. The show also covered how urgent it is to plan tax withdrawals thoughtfully to avoid triggers like Required Minimum Distributions (RMDs) and how ongoing legislative changes can impact these strategies.Jerry and Nick further discussed tools and tactics to help listeners avoid costly mistakes. They explained the importance of using gap years (the period after retirement but before RMDs and Social Security begin) to consider Roth conversions and Qualified Charitable Distributions. Real-life examples illustrated how tax decisions—if made without a strategy—can lead to unintended tax bills and benefit reductions. The Royers encouraged listeners to proactively review their retirement plans, utilize checklists and toolkits provided by their team, and schedule strategy sessions to ensure confidence, not just hope, drives their retirement planning. Throughout the show, they injected humor and a practical perspective, aiming to make complex financial topics both understandable and actionable.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s "On the Money" show hosted by Jerry and Nick Royer offered listeners a Christmas-themed guide to navigating retirement, emphasizing that retirement isn’t the finish line—it's the start of a new chapter that could last decades. The discussion highlighted the importance of having a well-organized financial plan, touching on critical topics such as making your money last, creating stable and reliable income streams, and minimizing risks and taxes. Jerry and Nick stressed that simply saving a certain dollar amount isn’t enough; retirees need a clear strategy for generating income, managing health care costs, and ensuring tax efficiency. They used holiday analogies, like Santa’s list, to encourage listeners to review their own retirement plans systematically and avoid damaging financial leaks.The Royers also tackled listener questions and concerns, covering issues from tax strategies (such as Qualified Charitable Distributions) to selecting the right retirement specialist. They cautioned against common mistakes, like underestimating expenses or withdrawing funds in a tax-inefficient manner, and explained the value of balancing growth, income, and safety across accounts—the "three buckets" method. Echoing the holiday spirit, Jerry and Nick wished everyone a Merry Christmas, encouraging listeners to take proactive steps now so the next chapter of their lives—their retirement—can be both joyful and secure.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s episode of “On the Money” with Jerry and Nick Royer focused on the importance of a comprehensive financial cleanup to ensure a stable retirement. Jerry and Nick, America’s renowned father-and-son financial coaches, discussed how many individuals collect financial documents over the years—often stashed away like clutter in a garage—and ignore critical details that directly affect their retirement lifestyle. They highlighted seven often-overlooked financial checkpoints, such as outdated beneficiary forms, dormant accounts, misaligned risk levels, scattered investment strategies, and the impact of taxes on retirement savings. They emphasized that procrastination in addressing these areas can lead to missed opportunities and costly mistakes, so taking that first step to review and update your financial “junk drawer” is crucial.Beyond investment and tax considerations, Jerry and Nick stressed the importance of healthcare planning, income durability, and legacy documentation. With people living longer and expenses potentially increasing later in life, they urged listeners to ensure their income plan lasts as long as they  do and that their estate plans clearly outline their wishes. The show wrapped up with practical advice on how to avoid scams targeting retirees.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer tackled the critical topic of retirement tax planning, focusing on what they call the “Retirement Red Zone”—the five years before and after retirement where every financial decision matters most. They discussed recent changes in tax laws, emphasizing that today’s lower tax rates and deductions, including the new senior deduction, are potentially temporary. With rising government spending and debt, the Royers cautioned listeners that tax rates could potentially increase in the future, urging retirees and near-retirees not to be lulled into a false sense of security by the current “calm before the storm.”The show also addressed common misconceptions about Social Security taxation, illustrating how “tax bracket creep” has led to more retirees owing taxes on their benefits due to frozen income thresholds set decades ago. Throughout the episode, Jerry and Nick stressed the importance of proactive annual reviews, balancing tax buckets, and creating flexible plans that adapt to changing rules, market volatility, and surprise healthcare expenses.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer explored the seven most common mistakes retirees and pre-retirees make with their money, including misconceptions about diversification, ignoring tax implications, and lacking a clear, tested income plan for retirement. The show highlighted the importance of true diversification across asset types and proactive tax planning, noting that IRAs and 401(k)s are often misunderstood in terms of when taxes are actually owed. The Royers stressed that thoughtful income strategies are essential, as “guessing” how long money will last is not a viable retirement plan. Additional pitfalls discussed included assuming an advisor is covering all financial bases, developing overconfidence during bull markets, making decisions based on emotions, and thinking retirement is only about money rather than lifestyle fulfillment.The Royers introduced their “bucket strategy," encouraging listeners to assign specific purposes to their assets—for emergency needs, near-term income, and long-term growth—to provide structure and safeguard against risks like inflation, market volatility, and rising healthcare costs. They advised that a solid plan should be adaptive, tax-efficient, and geared toward creating predictable income and long-term security.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s episode centers on how retirees can stay financially secure amid a turbulent economy, emphasizing the pitfalls of one-size-fits-all financial plans and the dangers of panicking during market volatility. Jerry and Nick Royer—America’s father-and-son retirement coaches—stress that true financial confidence requires more than simply accumulating assets; it’s about having a customized plan tailored to individual goals, tax situations, and lifestyle needs. They highlight warning signs such as imbalanced cash flow, rising taxes, and outdated plans, and draw analogies to aviation: just as every flight needs a pre-check and a personalized route, so too does a retirement plan need ongoing review and adjustment to avoid “stalling out” financially.Throughout the show, the Royers advocate for strategic income planning, tax efficiency, and regular check-ups to guard against common retirement mistakes. They caution against relying on generic “autopilot portfolios,” advising listeners instead to schedule a retirement strategy session and utilize their 35-point Retirement Checklist. Practical listener questions addressed topics like annuities, inflation, and quarterly reviews, all underscoring the importance of having a dynamic, customized plan.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer explored the growing trend of using artificial intelligence for financial advice, warning that while AI tools like ChatGPT can be helpful for gathering general information or overcoming writer's block, they often miss the crucial personal context needed for sound financial planning. The duo cited a study showing that AI responded incorrectly to 35% of finance questions, underscoring the risks of relying on algorithms that lack regulation, experience, and accountability. They emphasized that financial decisions—including retirement planning, tax strategies, and Social Security timing—require individualized guidance that AI cannot always provide, equating it to trusting an intern with life-altering choices.In addition to the limitations of AI, Jerry and Nick tackled common concerns facing retirees, such as longevity, rising healthcare costs, inflation, and the impact of hidden investment fees. They highlighted underutilized tools like Roth IRAs and life insurance for building tax-efficient, lasting wealth, while cautioning against overreliance on high-fee products like variable annuities. The overarching message was clear: experienced human advisors remain vital for crafting successful, customized retirement strategies.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week, Jerry and Nick Royer tackled the critical question of when to claim Social Security, emphasizing the pitfalls of "panic claiming". The father-son financial coaches debunked common fears—like Social Security running out—and urged listeners to base their decisions on careful math, considering factors like continued employment, longevity, and spousal needs. They stressed the importance of having a personalized plan rather than relying on rumors or following the crowd, offering actionable steps and resources such as their retirement checklist.The show also addressed broader retirement strategies, highlighting the dangers of relying solely on a 401(k) without a comprehensive plan. Jerry and Nick discussed the risks of market concentration, inflation, and rising taxes, and recommended diversification and proactive moves like putting idle cash to work, utilizing tax-loss harvesting, and considering Roth conversions during market downturns. They reminded listeners that retirement success depends on having three "engines": dependable income, growth, and tax-free strategies, not just a single investment vehicle.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week on "On the Money," financial coaches Jerry and Nick Royer tackled the challenges of making your money last through retirement, managing market risk, and minimizing taxes. The show kicked off with troubling stats about recent market drops and emphasized the importance of "crash testing" your retirement plan — simulating stressors like market downturns, tax hikes, and inflation spikes to ensure your financial future is protected. Using analogies like cars needing safety features and scan tools, the Royers highlighted the necessity of income streams that won't dry up in turbulent times and the risks of overconfidence, timing, and emotional decision-making. They reminded listeners that simply believing their plan is "fine" isn't enough.The Royers also focused on the "retirement red zone" — the crucial five years before and after retiring — where even small missteps can lead to significant losses. They stressed the importance of having diversified investment buckets, knowing withdrawal rates, and coordinating accounts, rather than relying on luck or outdated advice. The episode concluded with myth-busting around common retirement misconceptions, reinforcing that everyone—regardless of wealth or age—can benefit from professional financial guidance to build a secure, dependable, and flexible retirement plan.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week’s “On the Money with Jerry & Nick Royer” zeroed in on the real keys to lasting retirement success—protecting your nest egg against inflation, market risk, and taxes. Jerry and Nick, acclaimed father-and-son financial coaches, highlighted how the financial landscape has changed drastically, with rising home prices and soaring everyday costs. Through practical examples and a touch of humor, they emphasized the importance of having a balanced retirement strategy that includes growth-oriented investments, multiple income streams, and realistic inflation protection.They also discussed the common missteps retirees make, such as underestimating future healthcare expenses or assuming estate planning is just for the wealthy. Listeners learned why relying solely on market investments or ignoring inflation can leave retirees vulnerable, and how tools like the “Retirement Scorecard” and a free toolkit from Group 10 Financial can help identify gaps. Jerry and Nick urge retirees to think of spending in retirement as a marathon (not a sprint) and advocate for strategies that adapt with changing times and personal goals.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week on "On the Money," father-and-son financial coaches Jerry and Nick Royer tackled the necessity of building resilient retirement strategies amidst unpredictable market events—what experts call "black swans." With market downturns, inflation, health care, and taxes posing real threats to retirees, Jerry and Nick emphasized the importance of a comprehensive, all-weather financial plan. Listeners learned about the pitfalls of making assumptions about Social Security, the growing trend of "work optional" retirement, and how outdated advice can leave many unprepared for today’s reality.A key focus of the show was the “bucket strategy”—a simple, visual way to organize retirement savings into short-term, medium-term, and long-term buckets, protecting essential income while allowing for growth. The Royers shared practical answers to questions about estate planning, long-term care, and whether it’s prudent to retire with a mortgage. Their message: retirement planning is not “set it and forget it.” Regular reviews, tax-smart distribution strategies, and stress tests are crucial to keeping retirees in control even as conditions change.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this week's On the Money show with Jerry and Nick Royer, the focus shifted towards practical strategies for retirement planning and managing financial anxiety. They addressed the concept of a financial checkup, emphasizing its importance much like a physical health exam, to identify and mitigate potential risks. The hosts detailed the five-step process of a financial checkup—starting with evaluating current financial situations and creating strategies to enhance financial security. They underlined the significance of strategic adjustments and ongoing maintenance to ensure a robust financial plan.Moreover, Jerry and Nick offered insights into avoiding common retirement pitfalls and stressing the importance of setting up retirement spending guardrails to manage expenses wisely during different retirement phases. They further highlighted the importance of stress testing retirement plans to withstand market downturns and unexpected expenses. For those managing finances on their own for the first time, they encouraged seeking professional guidance and creating a comprehensive financial inventory map.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this week's episode of "On the Money" with Jerry and Nick Royer, the renowned father-son financial coaching duo delves into the importance of strategizing for retirement amidst a volatile market. They emphasize the unpredictability caused by political tensions, such as the ongoing disputes between President Trump and Fed Chairman Jerome Powell, which can create significant market uncertainties. Drawing analogies to building a sandcastle in a storm, the Royers advise listeners to develop strong retirement plans to weather market fluctuations. They discuss the significance of diversifying income sources such as Social Security, pensions, and investments to protect against both inflation and unexpected market downturns.The show also highlights the misconception that retirees can live off a fixed percentage of their pre-retirement income. With evolving needs in the "go-go," "slow-go," and "no-go" retirement phases, Jerry and Nick stress the importance of tailoring one's retirement plan dynamically. They warn against outdated rules like simply withdrawing 4% annually, advocating instead for a flexible and growth-oriented strategy that adapts to changes in individual circumstances and market conditions.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this week's On the Money Show, Jerry and Nick Royer discuss the challenges retirees face. Through their analogies, they illustrate that taxes, inflation, and unforeseen market events eat away at savings, much like a Labrador on a leather recliner. They reveal how unplanned withdrawals, especially from accounts like IRAs, are detrimental and stress the necessity for a well-thought-out tax plan to avoid what they call a "tax tidal wave." They further elaborate on the importance of shifting from growth to income-focused strategies and using certain tools to manage tax liabilities effectively.The Royers introduce their audience to the "retirement bucket strategy," a method that allocates funds into three categories: the "now bucket" for immediate needs, the "soon bucket" for the near future, and the "later bucket" for long-term growth. The goal is to ensure funds have a purpose and are strategically deployed to maximize income over a lifetime while mitigating risks associated with relying too heavily on investment growth. The show encourages listeners to abandon the complacency that might come with reaching the millionaire milestone and instead to adopt a structured plan that can handle life's unpredictable twists.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week on "On the Money with Jerry and Nick Royer," the father and son duo discussed the latest financial opportunities stemming from a new piece of legislation, dubbed the "big beautiful bill." This legislation is particularly beneficial for retirees and those planning for retirement. Key highlights include the permanence of previous temporary tax brackets and a new deduction for those aged 65 and over, which aims to decrease federal income taxes on Social Security benefits. Additionally, the bill introduces a charitable income tax deduction for non-itemizers and an increase in the estate tax exemption. However, these changes come with certain income thresholds and phase-outs, which require careful planning to maximize potential benefits.The Royers emphasized the importance of strategic financial planning to navigate these legislative changes and safeguard one's retirement savings. They addressed common pitfalls such as unexpected medical expenses, travel costs, and the financial implications of supporting both aging parents and adult children. Additionally, they highlighted the necessity of preparing for uncertainties like inflation, market volatility, and future tax rate changes. This episode provided listeners with vital insights into maintaining financial stability and seizing new fiscal opportunities during retirement.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this week's episode of "On the Money with Jerry and Nick Royer," the discussion focused on strategies to safeguard retirement savings against global instability and market volatility. The hosts explained how international conflicts can impact a retiree's portfolio, affecting investments through supply chain disruptions and fluctuating stock prices. They emphasized the need for a solid, diversified financial plan that goes beyond traditional mutual funds to include alternative investments and liquidity. This approach is intended to maintain stability and avoid panic-driven decisions that can compromise a retirement plan's integrity.The episode also introduced Jerry and Nick's popular "bucket strategy," which divides finances into short-term, medium-term, and long-term investments to balance growth with protection. As part of this planning, it was highlighted that retirees should prepare for unforeseen expenses like healthcare shocks and taxes, which can erode savings if unanticipated.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week's episode of "On the Money with Jerry and Nick Royer" focused on navigating the complexities of retirement planning amid changing financial landscapes. The hosts, discussed crucial retirement risks, including sequence of returns risk, withdrawal rate risk, health care costs, taxation, inflation, and longevity. They emphasized how early losses can severely affect savings, explaining such risks through real-life examples to stress the importance of a well-structured plan. Jerry and Nick also highlighted the increasing financial burdens that modern retirees face compared to previous generations, such as the disappearance of company pensions and the growing reliance on 401(k) plans.In exploring effective strategies for securing a financially sound retirement, the show underscored the importance of a personalized approach tailored to individual circumstances. This includes maximizing Social Security benefits, establishing a reliable income through a private pension plan, and preparing for potential long-term care expenses. They advised against outdated rules like the 4% withdrawal and 70% living cost rules, promoting instead a comprehensive assessment provided via their Retirement Scorecard to identify and mitigate personal financial risks. By integrating new insights and strategies, Jerry and Nick aim to offer a clearer path to retirement security, helping clients avoid common pitfalls and adapt to the ever-evolving financial environment.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week's "On the Money with Jerry and Nick Royer," focuses significantly on the concept of the "retirement red zone," a critical period spanning 10 years before and after retirement. During this time, decisions made can significantly impact one's financial future. The hosts emphasize the importance of this period, where precision and strategy are crucial. They discuss the necessity of having a solid income plan, addressing risks such as market volatility, taxes, inflation, and healthcare costs. The program offers strategies for financial planning during this period to ensure a stable retirement, including a complimentary 15-minute strategy session to assess one's retirement plan and needs.The hosts further explain that many individuals are underprepared for retirement, often lacking a comprehensive plan that accounts for these factors. They highlight the misconception that retirees can live on a reduced portion of their pre-retirement income, pointing out that lifestyle expenses may remain constant or even increase due to the additional free time. The show encourages listeners to reassess their financial strategies, emphasizing the need for reliable monthly income streams derived from accumulated assets.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

The radio podcast episode features Jerry and Nick Royer, hosts of "On The Money," discussing strategies for retirement planning and addressing concerns regarding market volatility, taxes, and risk management. The Royers emphasize the importance of having a well-rounded financial plan that includes multiple income sources, growth potential, and tax efficiency, likening it to a DC-10 aircraft needing all three engines to stay airborne. What are some opportunities to try and take advantage of in a down market? And why is your 401K not the only part of a retirement plan? Plus, Nick & Jerry clear up six common myths about retirement on this week's show.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

This week's "On the Money with Jerry and Nick Royer," features discussions revolving around financial planning and retirement strategies. Jerry and Nick Royer, retirement wealth specialists and media contributors, tackle various topics such as tax efficiency, healthcare, legacy planning, and protecting against market risks. The show highlights the importance of having a comprehensive financial plan to navigate both favorable and unfavorable market conditions.Throughout the podcast, the hosts emphasize the impact of rising government debt on taxes in retirement, especially with the anticipated expiration of the Tax Cuts and Jobs Act. They educate listeners on how crucial it is to prepare for potential tax increases and the importance of optimizing retirement savings.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this episode of "On the Money with Jerry and Nick Royer," the financial duo dives deep into the concerns surrounding current market volatility and the looming question of whether we are heading towards a recession. Jerry and Nick draw comparisons to the Great Recession of 2007-2009, highlighting recent market fluctuations and increased volatility. They discuss the significant impact of the "Magnificent Seven" (tech giants like Apple, Microsoft, and Amazon) on the NASDAQ index and stress the importance of having a balanced portfolio that accounts for market cycles. Throughout the episode, they address the natural market corrections that occur approximately every 18 to 24 months and emphasize the necessity of proactive financial planning to weather these downturns.Jerry and Nick also tackle the concept of "reverse dollar cost averaging" and its effects on retirees' portfolios during market declines. They stress the importance of having an asset protection plan, which includes a balanced mix of growth-oriented and principal-protected investments.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

"On the Money with Jerry and Nick Royer" emphasizes the importance of professional financial guidance to secure a stable, low-risk retirement. Hosts Jerry and Nick Royer explain that a good financial advisor can significantly increase net returns through comprehensive strategies including behavioral coaching, asset allocation, rebalancing, and tax planning. Drawing parallels with sports, they illustrate that small, consistent improvements, akin to coaching in golf, can lead to substantial long-term benefits. The podcast underscores the common pitfalls of DIY investing, such as emotional decision-making and tax inefficiencies, advocating for professional assistance to avoid these errors.The Royers stress the value of a holistic retirement plan that encompasses multiple facets of financial management, including investment, income, tax, healthcare, and estate planning. They caution against the "set it and forget it" mindset, asserting that continuous management and adjustments are necessary to maintain a healthy financial portfolio. For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this episode of "On the Money with Jerry and Nick Royer," the father and son team focus on essential strategies to secure a successful retirement. They tackle key issues such as market volatility, tax planning, and the importance of diversification in investment portfolios. Jerry and Nick explain how the stock market's recent ups and downs impact retirement funds and offer insights into creating a balanced portfolio that minimizes risk. The hosts emphasize the significance of performing a stress test on your investments to understand the potential impacts of a market downturn on your retirement plans. They also highlight the need to protect your savings from paying too much in taxes by properly allocating funds across tax-now, tax-later, and tax-never buckets.The episode introduces the concept of four pillars for retirement: protection, growth, income, and liquidity. Jerry and Nick outline the importance of having a comprehensive retirement plan that includes reliable income sources such as Social Security and pensions, as well as strategies for minimizing taxes and healthcare costs. The hosts stress that having a written financial plan is crucial and that many people may not realize their current strategies might not be sufficient. By leveraging their expertise, Jerry and Nick aim to help people build solid retirement plans that can withstand market fluctuations and secure their financial future.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this episode of "On the Money with Jerry and Nick Royer," the hosts discuss various strategies to secure your retirement amidst market volatility and economic downturns. They emphasize the importance of having a well-balanced financial plan that includes both high-risk and low-risk investments. Jerry and Nick introduce two critical rules that highlight the regular occurrence of market corrections and crashes, suggesting that investors should always be prepared. They recommend maintaining a balance of "green money" (safe investments) and "red money" (more volatile investments), ensuring you don't have to sell at a loss during a market dip.The episode further explores the significance of rebalancing and re-aligning your portfolio, especially after market surges or downturns. Jerry and Nick stress the need for an emergency cash reserve and discuss the benefits of diversified investments, including principle-protected investments and structured notes, which can offer high-income potential with limited downside risk. They also provide tips on avoiding common pitfalls like fear-driven decisions and the lure of high-risk investments during economic booms. For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Are you aware of the common investing mistakes that could jeopardize your retirement savings? In this episode of "On the Money with Jerry and Nick Royer," the father-son financial coaching duo shares their insights on the five major investing pitfalls and how to avoid them. The episode dives deep into the emotional and psychological aspects of investing, such as the fear induced by sensational media headlines and the dangers of reacting impulsively to market fluctuations. Jerry and Nick emphasize the importance of having a solid investment plan that prioritizes long-term goals and strategic rebalancing to maintain financial stability.The discussion continues with practical strategies on managing risk appropriately according to your age and financial situation. The Royers share valuable guidelines like the "Rule of 100" to help listeners determine their optimal risk exposure. They also highlight the significance of regular portfolio rebalancing, intelligent tax planning, and seeking professional financial advice to navigate the complexities of retirement planning.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this episode of "On the Money with Jerry and Nick Royer," hosts Jerry and Nick dive into the essential strategies for securing a comfortable and sustainable retirement. The discussion kicks off with insights from the Bureau of Labor Statistics on average expenses for those 65 and older, emphasizing the importance of tailoring retirement plans to individual lifestyles and financial goals. The Royers highlight the significance of picturing your ideal retirement and developing a realistic spending plan that accounts for all facets of your current expenses.The episode further explores the various risks retirees face, such as inflation, longevity, and changes to social security. Jerry and Nick stress the importance of diversification, not only in terms of assets but also taxes. They break down the three critical tax buckets—tax now, tax later, and tax never—providing practical examples and strategies to optimize each. Listeners are guided through the process of creating a tax-efficient retirement plan that ensures more of their hard-earned money stays in their pockets rather than going to the government. If you've been trying to figure out the best way to prepare for retirement amidst economic uncertainties, this episode is a must-listen.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this episode of "On the Money with Jerry and Nick Royer," financial experts Jerry and Nick Royer, alongside host Mark Elliott, provide timely advice on how to make informed money decisions as you approach retirement. They delve into crucial topics, starting with the complexities surrounding Social Security and the immense impact that strategic claiming can have on your retirement fund. With over a thousand rules governing Social Security, the Royers discuss how navigating these choices can result in significantly higher benefits, making it essential to avoid the common pitfall of taking these decisions at face value.The conversation then transitions to the importance of having a solid retirement income analysis. By comparing it to a car's fuel gauge, Jerry and Nick explain how this analysis can predict how long your savings will last, providing peace of mind and a clearer picture of your financial future. They highlight the necessity of a withdrawal strategy, addressing the outdated 4% rule and emphasizing the importance of tailored strategies that focus on sustainable income over time. The Royers also discuss the importance of regularly reviewing your financial situation and having professional guidance to navigate the twists and turns of retirement planning. This episode is a valuable resource for anyone looking to solidify their financial foundation as they transition into retirement.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

In this insightful episode of "On The Money with Jerry and Nick Royer," hosts Jerry and Nick delve into the critical financial issues affecting today's retirees. They tackle the enduring volatility of the market, examining recent economic indicators like inflation and fluctuating market indexes. With in-depth analyses, they discuss strategies to safeguard your retirement portfolio, stressing the importance of adaptability in investment approaches. The Royers share their expert advice on maintaining financial security amidst an unpredictable economic landscape, emphasizing the need for proactive planning and risk management. They also cover practical steps to assess your financial health, from stress-testing your portfolio to implementing comprehensive income plans.Jerry and Nick then shift focus to the pressing issue of inflation's impact on retirement, offering actionable strategies to mitigate its effects on your investments and daily expenses. This episode is packed with valuable insights for anyone looking to achieve a stable and prosperous retirement, making it a must-listen for those concerned about market volatility and long-term financial planningPlus, some trivia on inflation!For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

Nick and Jerry discuss market volatility and the impact on retirement savings. Plus, resolutions to keep in mind for a new year and how to invest when interest rates get cut like they recently were.For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/For more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

On the Money Show, December 21, 2024 by On The Money With Jerry & Nick Royer Radio ShowFor more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

On the Money Show, December 14, 2024 by On The Money With Jerry & Nick Royer Radio ShowFor more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/

On the Money Show, December 7, 2024 by On The Money With Jerry & Nick Royer Radio ShowFor more information about Nick & Jerry Royer and the Group 10 Financial Team, visit https://group10financial.com/