Safe Haven $olutions

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan break down how annuities work and the role they can play in retirement planning. They explain the four main types of annuities, how they are issued by insurance companies, and the key differences between fixed, fixed indexed, variable, and immediate options. The conversation also covers common misconceptions, fees, and the importance of understanding what you own and why it fits your overall financial plan.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Glenn Ramey take a closer look at how life insurance fits into your overall retirement strategy. They discuss the different types of life insurance, how these policies have evolved over time, and why reviewing your coverage regularly is so important. The conversation also highlights the value of health savings accounts, common pitfalls to avoid, and the importance of identifying your specific needs before choosing a plan. With a focus on education and thoughtful planning, this episode helps listeners better understand their options and make more informed financial decisions for the future.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim Carrigan, and guest Glenn Ramey break down the critical role insurance plays in a well rounded retirement plan. They explore the realities of healthcare costs, how Medicare actually works and where it falls short, and why long term care planning is essential for protecting your financial future. The conversation also highlights common misconceptions, key coverage options, and modern strategies like hybrid and asset based plans that can help you prepare with more flexibility and confidence.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan outline some of the most common mistakes people make when transitioning into retirement. They discuss risks like planning to work indefinitely, claiming Social Security too early, underestimating healthcare costs, and failing to properly rebalance your portfolio. Throughout the episode, they emphasize the value of having a clear, adaptable plan to help you move from simply getting by to truly thriving in retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan break down the role Social Security plays in retirement planning. They explore its history, potential future changes, and key decisions around when to start taking benefits. The conversation highlights how timing can significantly impact your long-term income, especially for couples, and why relying solely on Social Security may not be enough. Throughout the episode, they emphasize the importance of education, coordination, and building a comprehensive plan to support a more secure retirement.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan explore how to create a reliable income in retirement beyond Social Security. They discuss how certain annuities can help generate guaranteed lifetime income, similar to a pension, while emphasizing that not all annuities are the same. The conversation highlights the importance of understanding fees, contract terms, and choosing the right strategy for your needs. Throughout the episode, they stress the value of education and thoughtful planning to build a dependable and flexible retirement income stream.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan discuss how to build a more stable retirement plan in today’s changing economic environment. They cover the importance of protecting your wealth as you near retirement, maintaining a balanced portfolio, and understanding how tools like annuities may fit into your strategy. The conversation emphasizes proactive planning and making informed decisions to support long-term financial security. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan shift the focus to family financial planning and the importance of protecting generational wealth. They discuss how “wealth” applies to families of all sizes, not just high-net-worth households, and why having a clear plan in place is essential for long-term success. The conversation highlights key areas such as estate planning, tax-efficient strategies, and preparing for unexpected life events, all while emphasizing communication and shared family goals. They also explore how proactive planning can help reduce tax burdens, improve financial resilience, and ensure that what you’ve built is preserved and passed on with intention.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim Carrigan, and insurance specialist Glenn Ramey discuss how life insurance can play a unique role in college planning. They explore how indexed universal life (IUL) policies offer a flexible alternative to traditional savings vehicles, with features like cash value growth, no market loss exposure, and the ability to access funds through tax-free loans for education expenses. The conversation also highlights the added benefits of flexibility in contributions, minimal impact on financial aid, and options for long-term care features. Additionally, they stress the importance of regular life insurance reviews to ensure policies are performing as expected and aligned with evolving financial goals.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan take a deeper dive into 529 college savings plans and how families can use them more effectively. They break down what qualifies as educational expenses, the benefits of starting early, and how compounding can significantly grow savings over time. The conversation also covers key rules, including contribution limits, beneficiary flexibility, and options like using funds for student loans or even rolling over into a Roth IRA. Throughout the discussion, they emphasize the importance of strategy, understanding the guidelines, and aligning college planning with your broader financial and retirement goals. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim Carrigan explore the growing challenge of funding college without putting your retirement at risk. They discuss the rising cost of tuition, the importance of having a clear financial plan, and how strategies like 529 plans and other investment options can help families prepare. The conversation highlights the balance between supporting your children’s education and protecting your long-term financial security, emphasizing thoughtful planning, realistic expectations, and ongoing adjustments as life evolves. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen discuss how estate taxes can impact your retirement plan and your legacy. They cover federal and state estate tax thresholds, strategies for reducing tax exposure, and how trusts can help avoid probate and protect assets. The conversation also explains gifting rules and how families can pass on wealth more efficiently. The episode reinforces the importance of planning ahead to ensure your assets are distributed according to your goals while minimizing unnecessary taxes and complications. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group   

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen focus on how investment decisions can impact your taxes in retirement. They explain the difference between qualified and non qualified accounts, how capital gain distributions can create unexpected tax bills, and why timing and control over investments matter. The conversation also highlights portfolio rebalancing, Roth conversion opportunities, and the importance of proactive planning to create a more tax efficient retirement strategy. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen walk through how different retirement accounts are taxed and why strategy matters. They break down key differences between 401(k)s, traditional IRAs, and Roth accounts, including when taxes are paid and how required minimum distributions can impact your income in retirement. The conversation also covers rollover opportunities, catch up contributions, and how tax brackets influence whether pre tax or Roth contributions make more sense. The episode highlights the importance of planning ahead to manage tax liability, maximize growth, and create more flexibility in retirement income. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Haven Financial Group Radio Show, Larry Kallevig, Kim Carrigan, and CPA Lance Larsen break down why tax planning starts after tax season ends. They cover key updates to itemized deductions, including changes to state and local tax caps and new rules for charitable contributions. The conversation also explores how Social Security benefits are taxed, strategies around capital gains, and how tax loss harvesting can help offset investment gains. The episode emphasizes the importance of proactive planning to reduce taxable income, avoid surprises, and make more informed financial decisions throughout the year. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kyle Thomas discuss how working with a financial advisor can help you navigate today’s uncertain economic environment. They highlight the importance of personalized strategies, tax-aware planning, and access to a wide range of investment tools to support your goals. The conversation also emphasizes how having a trusted partner can help you stay proactive, avoid costly mistakes, and feel more confident about your retirement plan. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kyle Thomas discuss strategies to help protect your portfolio during market volatility. They cover the importance of diversification across stocks, bonds, and other tools like annuities, while emphasizing that not every strategy is right for everyone. The conversation also highlights the value of liquidity, rebalancing, and exploring options like CDs, money markets, and insurance products to help manage risk, preserve income, and keep your retirement plan on track. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kyle Thomas discuss the importance of having a personalized retirement plan, especially during uncertain economic times. They explain how tailored strategies go beyond investments to include taxes, estate planning, and long-term goals. The conversation highlights how customized planning, aligned with your unique needs and risk tolerance, can help you avoid missed opportunities, stay organized, and feel more confident about your financial future. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Kyle Thomas discuss how today’s unpredictable economy can impact your retirement. They cover key indicators like inflation, unemployment, interest rates, and the housing market, and what they mean for your financial future. The conversation also highlights how a personalized financial plan can help you manage volatility, protect your cash flow, and stay confident in your retirement goals. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss some of the most common pitfalls retirees face and how to avoid them. They explore key risks such as overspending on family, mismanaging investments, neglecting estate planning, and underestimating expenses. The conversation also highlights the importance of having a clear plan, maintaining open communication with a trusted advisor, and staying emotionally disciplined with financial decisions. They also touch on the need to find purpose in retirement and why thoughtful planning is essential to staying financially secure and fulfilled long-term. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss the importance of maintaining a strong emergency fund and staying financially flexible throughout retirement. They break down why having liquid cash on hand is essential, especially during market volatility, and how it can help cover unexpected expenses without disrupting long-term investments. The conversation also explores practical ways to replenish your savings, from adjusting expenses to leveraging additional income sources. They also highlight the value of ongoing education and staying informed to make confident financial decisions in an ever-changing landscape. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss what it means to have true financial confidence in retirement and how it impacts your ability to live a fulfilling life. They break down the key elements of a strong financial plan, including budgeting, managing debt, saving and investing, and protecting your assets. The conversation also explores how financial stability can support your values, from caring for family to creating lasting memories and leaving a legacy. They also highlight the importance of revisiting your plan and seeking guidance to stay on track and maintain confidence throughout retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss what it really takes not just to retire, but to stay there with confidence. They explore the importance of having a comprehensive retirement plan that goes beyond savings, including income strategies, tax efficiency, and healthcare considerations. The conversation highlights the need for reliable income streams, maintaining an emergency fund, and adapting your plan as life changes. They also cover common pitfalls retirees face and why thoughtful planning is key to sustaining financial security and peace of mind throughout retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Glenn Ramey focus on actionable retirement strategies for Gen Xers in their prime earning years. They discuss the importance of starting early with tax-advantaged accounts like HSAs and IRAs, planning for healthcare and long-term care costs while still healthy, and maximizing retirement contributions. The conversation also highlights the value of working with a knowledgeable partner to stay informed on changing tax laws, Medicare rules, and investment options, as well as creating a plan that balances saving, spending, and purpose in retirement. Listeners are encouraged to start planning now to ensure financial security and peace of mind in their golden years. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Glenn Ramey break down the critical role healthcare plays in retirement planning, especially for Gen Xers approaching their later years. They discuss the basics of Medicare, including when to enroll, what each part covers, and why reviewing your plan annually can help manage costs. The conversation also highlights often-overlooked expenses like long-term care, the impact of rising healthcare costs, and how early planning can help protect your savings, reduce financial strain on your family, and support a more secure retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim break down how pensions work, why they’ve become increasingly rare, and what that means for today’s retirees. They discuss the shift from employer-funded pensions to self-funded retirement accounts like 401(k)s, and the importance of building your own reliable income stream. The conversation also explores how tools like annuities can be used to help create guaranteed income, the different types available, and why understanding your options is key to making the right decision for your long-term financial security. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim focus on Gen Xers and those nearing retirement, emphasizing why it’s never too early or too late to start planning. They cover the importance of contributing to retirement accounts, maximizing employer matches, and taking advantage of tax strategies like Roth contributions and conversions. They also discuss adjusting risk as retirement approaches, stress-testing your portfolio, and how small, consistent steps today can help support long-term financial stability and flexibility.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Kyle discuss how to structure your finances to navigate a volatile market, especially as you approach or enter retirement. They highlight the importance of balancing growth with preservation, understanding your risk tolerance, and maintaining a diversified portfolio that can adapt to changing conditions. The conversation also covers key strategies like rebalancing, maintaining liquidity, and avoiding emotional, knee-jerk decisions, while emphasizing the value of having a comprehensive financial plan to help provide stability and confidence through uncertain times. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Kyle discuss how inflation and economic uncertainty can impact your retirement budget and overall financial plan. They highlight the importance of understanding your spending, prioritizing essential expenses like housing, healthcare, and food, and creating a realistic budget that supports your lifestyle. The conversation also covers common mistakes, such as underestimating costs, and emphasizes how proper planning, accountability, and a well-structured strategy can help maintain financial stability throughout retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Kyle discuss how rising oil prices and geopolitical tensions, particularly in the Middle East, are affecting inflation, consumer spending, and overall market stability. They break down how these global events can impact your everyday expenses, investment portfolio, and retirement income, while emphasizing the importance of stress testing your plan, preparing for inflation, and maintaining a diversified strategy to help protect your finances and support long-term retirement confidence.  Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig, Kim, and Kyle discuss how recent jobs report data, inflation, and global events are shaping today’s economic landscape and what that means for your retirement. They break down how market volatility, interest rate changes, and rising costs can impact your income, savings, and overall financial stability, while emphasizing the importance of diversification, tax-efficient strategies, and having a flexible plan in place to help weather uncertainty and support your long-term retirement goals.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss the importance of budgeting in retirement and the key expenses that retirees often underestimate. They cover major considerations such as rising healthcare costs, building an adequate emergency fund, the impact of inflation and planning for potential long-term care needs. The conversation also touches on reviewing life insurance policies, understanding annuities and ensuring every piece of your financial strategy fits together. As always, they emphasize the value of asking questions, reviewing your plan regularly and working with a trusted partner to help simplify the retirement planning process. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim walk through the key age milestones that can significantly impact your retirement planning. They discuss when to start saving, the benefits of catch-up contributions after age 50, penalty-free withdrawal opportunities at 55 and 59½, and important decisions around claiming Social Security starting at age 62 through full retirement age and beyond. The conversation also highlights required minimum distributions (RMDs), tax planning strategies such as Roth conversions, and the importance of understanding how each stage of life affects your financial plan. As always, they emphasize having informed conversations and creating a strategy that fits your unique retirement goals. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss some of the most important questions people should ask when planning for retirement. They explore concerns such as whether your savings will last long enough, how inflation can impact long-term financial plans and what happens to your portfolio during market downturns. Larry explains the importance of building a diversified strategy, maintaining liquidity and understanding when to claim benefits like Social Security. The conversation emphasizes education, planning for uncertainty and creating a retirement strategy that provides flexibility and confidence for the years ahead. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim explore what it really means to be “retirement ready.” They discuss why retirement planning should be personalized rather than a one-size-fits-all approach and highlight the importance of understanding your goals, timeline and financial situation. The conversation covers common retirement concerns such as whether you have enough saved, how life events can affect retirement timing and why having a flexible plan is essential. Larry also explains the importance of asking the right questions, evaluating your income sources and building a strategy that supports both your financial needs and lifestyle goals in retirement.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how inflation impacts retirement and why proactive budgeting, diversified income and proper account structure are essential for long term success. Larry explains how Haven Financial Group factors inflation into retirement projections, why managing credit card debt is critical and how tracking spending can reveal opportunities for improvement. The conversation also highlights the importance of liquidity, tax diversification across Roth, pre tax and brokerage accounts, and working with a coordinated team to reduce stress and create lasting peace of mind in retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig discusses why Roth IRAs and proactive tax planning can play a powerful role in retirement success. He explains the benefits of tax free growth, no required minimum distributions and tax efficient wealth transfer, while also addressing income limits, the five year rule and when conversions make sense. Larry walks through real life scenarios showing how strategic Roth conversions during lower income years can help minimize future taxes and reduce required distributions later in retirement. As always, the focus is on education, forward thinking tax strategy and making informed decisions to help you thrive, not just survive, in retirement. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to structure your retirement plan to withstand market turbulence and sequence of return risk. They break down the importance of understanding your willingness, need and ability to take risk, why consistent “mailbox money” matters in retirement, and how stress testing your portfolio can help protect your timeline. The conversation also covers guaranteed income sources, Social Security planning, annuities, budgeting for go-go retirement years and the value of education in making confident, informed financial decisions. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to make the most of leftover 529 college savings funds, including new rollover options to Roth IRAs under the SECURE Act 2.0, changing beneficiaries, funding K–12 tuition, apprenticeships and even paying down student loans. They also highlight the importance of keeping beneficiaries up to date and making informed, tax-efficient decisions as part of a comprehensive retirement strategy. As always, they emphasize the value of proactive planning to minimize penalties, reduce taxes and create long term financial confidence.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry and Kim are joined once again by CPA Lance Larson to tackle one of the biggest retirement moves: selling the family home. Whether you are looking to downsize in Minnesota or head south for warmer weather, the tax ramifications of a home sale can be significant if you aren't prepared. Lance explains the critical differences between primary residence exclusions—where married couples can often exclude up to $500,000 in gains—and the more complex tax treatment of rental properties. They dive into how "basis" (your original purchase price plus improvements like that kitchen remodel) can lower your tax bill, and how real estate investors can use a 1031 exchange to defer taxes indefinitely. Beyond the numbers, the team discusses the "life costs" of moving—from the expense of pods and storage to the emotional challenge of valuing a home that holds decades of memories. Learn why having your tax, investment, and estate planning "puzzle pieces" under one roof is the key to a smooth transition into your golden years. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this special tax-season episode of the Safe Haven Solutions Podcast, Larry and Kim pull Lance Larson, CPA, away from his desk to discuss how to keep more of your hard-earned money out of Uncle Sam’s pockets. Lance breaks down the concept of "forced income"—like pensions and Social Security—and explains the "perfect tax scenario" where you can collect Social Security and pull from Roth accounts without giving a single cent to the government. The team also tackles the age-old question: Is moving to a state like Florida or Arizona actually a winning tax strategy, or do tolls and hidden fees level the playing field? From filling up the 12% tax bracket to hitting the "IRMAA cliff" without falling over, this episode proves that while tax preparation is a seasonal event, tax planning is a year-round necessity that ensures you walk out of your next appointment with a smile on your face. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig explains why your own financial security is the ultimate gift to your family. Drawing from a sobering recent client story about the sudden, high costs of long-term care, Larry discusses the two-fold benefit of stability: ensuring you aren't a burden to your children and making sure your hard-earned legacy doesn't end up in the hands of attorneys or Uncle Sam. From the "100% mortality rate" reality check to the joy of tax prep meetings where the plan actually works, this episode is a guide to being proactive. Larry and Kim discuss the necessity of updated estate plans, the new and more viable options for long-term care, and why a plan created ten years ago might be as risky as having no plan at all. Learn how to build a solid foundation today so you can thrive through your golden years rather than just surviving them. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim dive into why retirement isn’t just an individual milestone—it’s a family team sport. Larry shares personal insights into educating the next generation of his own family and discusses the common (and sometimes stressful) reality of couples who aren't on the same page financially. The conversation covers the critical importance of open communication, the "nuisances" of spousal IRAs, and why every couple needs a "stress-tested" plan that accounts for unexpected life changes like health issues or job acquisitions. Whether you are decades away from retirement or currently "holding the cards," this episode emphasizes that being in the know is the best way to ensure your financial future doesn't become a source of family friction. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group  

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss common vulnerabilities that can derail retirement, including running out of money, taking on too much market risk, overpaying in fees and neglecting estate planning. Larry shares real client examples that highlight the importance of understanding what you own, what you are paying and whether your strategy truly fits your stage of life. The conversation emphasizes proactive planning, updated beneficiary designations and coordinated guidance to help ensure your retirement years are secure, organized and truly comfortable. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how unexpected expenses can disrupt even the best retirement plans and what to do when you need to rebuild your emergency savings. Larry shares real client examples and practical strategies such as tax efficient withdrawals, smart reallocation, budgeting, negotiating expenses and even part time work to restore liquidity and peace of mind. The conversation reinforces the importance of ongoing guidance, flexibility and having a trusted partner to help you adjust your plan as life happens. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss how to build reliable income in retirement by coordinating Social Security, pensions and tax efficient portfolio withdrawals. They also cover the impact of inflation, rising healthcare costs, emergency savings and long term care planning, emphasizing why proactive and comprehensive planning is essential to protect your lifestyle, your assets and your peace of mind. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim discuss what it really means to feel financially comfortable in retirement. Larry shares highlights from a recent client event featuring Dr. Mark Milstein and emphasizes the connection between health and wealth. They also break down the key pillars of retirement comfort—consistent income, risk planning, tax strategy, and having all aspects of your financial life coordinated under one roof to create clarity and confidence in your golden years.   Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss common tax mistakes retirees make and the strategies that can help keep more money in their pockets. From withdrawing too much—or too little—from retirement accounts to missing opportunities within lower tax brackets, the team shares real-life examples of proactive planning done right. They also explore the broader impact of investment placement, charitable strategies, state tax considerations, and risk management, emphasizing that successful retirement planning goes far beyond tax preparation. With so many moving pieces—from Social Security and Medicare to estate and legacy planning—the conversation reinforces the value of having a coordinated team to guide every step of the journey. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group 

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to discuss newly introduced child investment accounts designed to help families build long-term wealth for the next generation. Established under recent legislation, these accounts allow contributions for children regardless of earned income and even include government seed funding for those born within a specific window. The team explains how the accounts are funded, their tax treatment, contribution limits, and how they convert to traditional IRAs at age 18. They also explore how parents and grandparents can use these tools to take advantage of long-term compounding while ensuring the strategy aligns with their overall financial and legacy plan. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group

In this episode of the Safe Haven Solutions Podcast, Larry Kallevig and Kim are joined by CPA Lance Larsen to break down how 401(k)s and IRAs are taxed in retirement. They explain the difference between traditional and Roth accounts, the long-term impact of tax-deferred growth, and how large withdrawals can trigger higher tax brackets, Social Security taxation, and increased Medicare premiums. The conversation also covers required minimum distributions (RMDs), changing age thresholds, and why proactive tax planning is essential to avoid costly mistakes. As always, the team emphasizes the importance of having a trusted partner to help navigate ongoing tax law changes and build a retirement income strategy that works efficiently and confidently. Connect with Haven Financial Group on all platforms! havenfinancialgroup.com facebook.com/havenfinancialgroup linkedin.com/company/haven-financial-group-mn instagram.com/haven_financial_group