TaylorMade Retirement with Taylor Demars, CFP®

It’s one of the most common (and emotional) questions investors ask: If my portfolio isn’t keeping up with the market, is my advisor doing their job? On the surface, it feels like a simple comparison, but there’s usually a lot more going on beneath it. Taylor walks through how to think about performance the right way, why comparing your portfolio to “the market” can be misleading, and what actually matters when evaluating your advisor. Here’s what we discuss in today’s show:📊 Wrong Comparison: Portfolios ≠ the S&P 500🎯 Goal Alignment: Strategy should match your needs⏳ Long-Term Lens: One year doesn’t tell the story🔍 Know What You Own: Simplicity builds confidence⚖️ Second Opinion: Clarity beats guessworkResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Should you take the pension lump sum or monthly payments? It's one of the most important — and most permanent — financial decisions you'll make in retirement. And most of the advice out there starts and ends with the math.Today, Taylor walks you through The Pension Clarity Test: three questions that go beyond the spreadsheet and help you make the pension decision you won't second-guess at 80.We'll cover how to evaluate a pension lump sum vs. monthly payments, the break-even math most people miss, the survivorship question every married couple needs to have, and the long-term reality of managing a lump sum through 30 years of market cycles.Whether you're sitting on a pension buyout offer, weighing a defined benefit plan payout, or just trying to figure out the right pension payout option before retirement, this episode gives you a framework that works for your life — not just your spreadsheet.WATCH NEXT4 Mistakes To Avoid If You Have a Pension → https://www.youtube.com/watch?v=-tZ-CMku0CAResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Retirement isn’t just about stepping away from work. It’s about stepping into something meaningful. While most people focus on finances, the happiest retirees often find something deeper: purpose, connection, and a reason to get out of bed each morning. Today, Taylor explores how volunteering can transform retirement through your time, talents, and financial resources. You’ll hear real-life examples of why giving back might deliver the greatest return you’ll ever experience.Here’s what we discuss in today’s show:🤝 Meaningful Connection: Build purpose and community⏰ Time Well Spent: Turn hobbies into service🧠 Use Your Skills: Impact others with experience💰 Smart Giving: Maximize tax-efficient strategies🎓 Lasting Impact: Create life-changing opportunitiesResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Can you really retire before 62 with $3.2 million in a 401(k)? Taylor walks you through a real client case study where a couple with $3.2M chose a retirement plan that scored lower, projected less money — and gave them a better retirement than the "slam dunk" plan their previous advisor built.He'll show you why a 94% Monte Carlo score might actually be working against you, what "Tax-Induced Hesitation" is and how it quietly shrinks the retirement you saved for, and the Roth conversion window that closes every year you keep working.🎬 Watch next: How Retirement Changes Once You Save $2.5 Million: https://youtu.be/TKj3AGA0d8AResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build.Here’s what we discuss in today’s show:💰 Spending Feels Wrong: Saving habits are hard to break 🧠 Identity Shift: From earner to spender is uncomfortable ⚠️ Hidden Fears: Longevity, control, and guilt drive hesitation 🗺️ Clear Roadmap: Planning creates confidence to spend 📉 Phased Spending: Expenses often decline over timeResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Planning to relocate in retirement with $2M-$4M+ in a 401(k)? Before you list your house, listen to this. Most people don't realize that pulling money from a 401(k) for a down payment can cost $60,000-$65,000 in taxes— for a cash need that lasts 90 days. Taylor walks through the exact planning sequence he used with a real client couple to bridge their move for 95% less, and how the move itself became the catalyst for a Roth conversion strategy worth hundreds of thousands over their retirement.What you'll learn in this video:- Why the 401(k) is the most expensive way to fund a relocation — and the bridge tools that cost a fraction- The two-home overlap trap and why panic decisions during this window cost $70K-$145K- How home sale proceeds are the most powerful (and misunderstood) dollars on your balance sheet- The strategic mortgage: why carrying debt temporarily can save six figures in lifetime taxes- The widow's penalty and how to defuse it before it starts- The exact phased sequence that turned a simple move into a decade of tax savingsResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

We got a great question from a listener: “How do I get my spouse more involved in our retirement planning?” It’s a common challenge, and usually not about understanding the numbers, but about interest and engagement. The goal isn’t to turn your partner into a financial expert; it’s to get aligned on what actually matters. Taylor walks through a better way to approach the conversation so both of you feel confident, informed, and on the same page.Here’s what we discuss in today’s show:🎯 Spouse Involvement: One partner often leads, but both should be included🧭 Start with Purpose: Build the plan around what matters to each spouse🧩 Keep It Simple: Know where money is, who to call, and how income works🤝 Neutral Advisor Role: A third party helps remove tension and set boundaries📲 Stay Aligned: Simple tools can keep both partners engaged without stressResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

You’ve managed your own money for years and done well. So why would you need a financial advisor now? It’s a fair question, and one more people are asking as access to tools and information continues to grow. But what once felt straightforward can quickly become more complex, with higher stakes and less room for error. Today, Taylor explores why the transition into retirement introduces a new set of challenges and where professional guidance can make a difference.  Here’s what we discuss in today’s show:🧗 Retirement Transition: Moving into retirement introduces new challenges🧭 Advisor Role: Turning complexity into a clear plan🧩 Complexity Grows: Taxes, healthcare, and income strategies all interact📊 Professional Value: Experience can uncover missed opportunities📞 Take Action: Exploring your options can provide clarity and confidenceResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Most people with a 401k, Social Security, and pension claim them in the order that feels safest — but that sequence can quietly cost six figures in taxes you never needed to pay.Taylor breaks down the three tax traps that punish you for claiming in the wrong order, why the conventional sequence is backwards, and the phased strategy that can save you $100,000+ over your retirement — while still protecting you if life doesn't go according to plan.📌 TOPICS COVERED→ How 401k withdrawals trigger hidden taxes on your Social Security benefits→ The provisional income formula and why thresholds set in 1983 still catch retirees off guard→ IRMAA: the Medicare premium surcharge linked to your income from two years ago→ The Net Investment Income Tax and the $250K threshold for married couples→ How to use a Roth conversion window to defuse all three tax traps→ The Social Security triangle: quantitative, qualitative, and survivorship angles→ Why claiming Social Security early isn't always the wrong call→ Spousal coordination strategies for couples with different ages and timelines→ How to build flexibility into your retirement income sequence⏱️ TIMESTAMPS0:00 - How a $40K withdrawal creates $70K+ in taxable income0:40 - Meet Greg and Linda — the couple who almost made a $100K mistake2:00 - Tax Trap #1: The Social Security torpedo (and why 1983 still haunts your tax return)4:04 - Tax Trap #2: The Medicare surcharge that shows up two years later5:03 - Tax Trap #3: The 3.8% surtax most people don't see coming5:54 - Why the sequence that avoids all three feels like the wrong move6:34 - The two-phase strategy that flips the conventional wisdom7:48 - Three angles of the Social Security triangle (most people only know one)9:12 - What changes when there's a big age gap between spouses10:17 - Why the best retirement plans have a built-in ripcord11:26 - What happened when Greg and Linda redesigned their sequence12:38 - What this means for your situationResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Social Security claims are up 16% — and most people are making this decision based on one angle. In this video, Taylor breaks down the three angles of the Social Security Triangle: quantitative, qualitative, and survivorship. It's that third angle — the one almost nobody considers — that changed everything for one of Taylor's clients.⏱️ Timestamps:0:00 — Why millions are rushing to claim early1:15 — George and Karen's story2:00 — Angle 1: The quantitative case for delaying4:10 — Angle 2: Why claiming early has real merit5:05 — Angle 3: The survivorship angle nobody talks about7:00 — What George and Karen decided7:45 — The flexibility most people miss📌 Key topics covered:— Why your monthly benefit could be 77% larger by waiting until 70— The break-even age and when claiming early actually wins— How the widow's penalty hits surviving spouses from three directions— Why the surviving spouse can pay $4,000+ more in taxes on less income— How one claiming decision sets the floor for your spouse's financial stability— What OASDI actually stands for (and why it matters)Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Receiving an inheritance can feel like a financial blessing, but when part of it comes from an IRA or retirement account, the tax rules can quickly get complicated. In this episode, Taylor breaks down the key factors that determine how inherited accounts are taxed and what beneficiaries need to know before making withdrawals. Understanding these rules can help you make smarter decisions and avoid costly surprises.Here’s what we discuss in today’s show:💰 Tax Traps: Inherited IRAs carry complex rules and risks🧩 Key Questions: Beneficiary, account type, and death timing matter📈 Tax Impact: Traditional IRA withdrawals taxed as income⏳ 10-Year Rule: Most beneficiaries must empty accounts within a decade💼 Professional Help: Coordinating inheritance assets requires guidanceResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

The 2026 health insurance subsidy cliff is back — and it could cost early retirees over $20,000 a year in unnecessary premiums. In this video, I break down the exact withdrawal strategy we used to drop a couple's health insurance premium from $28,000/year to under $5,000/year. Same plan. Same coverage. Same doctors.If you're retiring before 65 and wondering how to afford ACA health insurance before Medicare, this is the most important number you need to understand: your MAGI (Modified Adjusted Gross Income). I'll show you what counts toward MAGI, what doesn't, and the hidden income traps that catch even careful planners off guard.⏱️ Timestamps:0:00 – $28,000 or $5,000: same plan, different strategy1:30 – What is MAGI and why it controls your premium3:15 – The 2026 subsidy cliff explained (KFF data)4:30 – Tom & Susan's $3.4M early retirement problem6:45 – The income you don't know you have (municipal bond trap)8:00 – Why we paid full price in 2026 on purpose9:15 – The blended withdrawal strategy ($140K spending, $60K MAGI)10:45 – The trade-off: is it worth pulling from Roth early?12:00 – What to do nextResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

When your company stock has treated you well, buying more might feel like the obvious move. But investing decisions tied to your employer carry unique risks that many people underestimate. In this episode, Taylor walks through the psychology behind doubling down, the blind spots that creep in, and how to think more strategically about long-term retirement securityHere’s what we discuss in today’s show:🏢 Company Stock Risk – Concentration inside retirement accounts📩 Listener Question – Buying more after strong performance⚖️ Over-Concentration – Paycheck and portfolio exposure📊 Diversification Options – Alternatives beyond employer stock🧾 Tax Planning – Account types and flexibilityResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Your healthiest retirement years are also your best tax planning years, but many people miss this crucial window 🎯. This video explains how individuals often waste their health by working longer and their tax planning for retirees opportunities through rushed decisions. With eight years of experience, I've seen this pattern repeat, emphasizing the importance of proper retirement tax strategies to optimize your retirement income and avoid unnecessary retirement taxes.Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Becoming a grandparent changes everything, including how you think about money. For many families, the natural instinct is to help financially. But the “how” matters just as much as the heart behind it. In this episode, Taylor tackles a listener’s question about the best ways to financially support grandchildren. The key is to give in a way that doesn’t compromise your own retirement and strategy that aligns with your long-term goals.Here’s what we discuss in today’s show:💰 Grandparent Planning: Investing wisely for a newborn🎓 529 & Brokerage: Education vs flexible investing🇺🇸 Trump Accounts: Seed funding and employer contributions📜 Trust & Gift Rules: Control and tax considerationsResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

After helping hundreds of retirees, Taylor has discovered a dirty secret about wealth... net-worth does not equate to net lifestyle. Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Some investors stay calm when market turbulence hits. Others feel the pressure immediately. The difference often isn’t intelligence or experience; it’s preparation. Taylor uses a weather metaphor to explain why understanding your true risk tolerance matters more than predicting the next downturn. The goal isn’t to forecast every storm. It’s to build a plan strong enough to handle them without forcing lifestyle changes or emotional decisions when conditions get rough.Here’s what we discuss in today’s show:🌩 Storm-Proofing Strategy – Building plans that expect volatility📉 Volatility & Tolerance – Market swings reveal true comfort levels🧠 Defining Risk Tolerance – Capacity, appetite, and behavior differences⚖️ Tolerance Influencers – Time horizon, income stability, past experiences🏦 Bond Bunker Approach – 4–6 years income buffer strategyResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

After working with hundreds of clients, Taylor has learned a hard truth most advisors will never say out loud... He has turned away more people than he has helped.Not because they could not afford it. Not because they were not smart. But because hiring an advisor would have been a waste of their money.Hiring a financial advisor is a lot like a marriage. If your goals are not aligned, it will be expensive, painful, and end badly.In this episode, Taylor breaks down 5 personality types who should not hire a financial advisor at all — and 1 type of person who can see massive benefits from the right partnership.If you recognize yourself in one of these categories, this could save you years of stress and hundreds of thousands of dollars.What you will learn:Why chasing market returns is the fastest way to ruin a retirementWhy panic hiring an advisor leads to bad decisionsWhen being frugal actually costs you more moneyWhy smart DIY investors still have blind spotsThe hidden risks of being “comfortable”The one personality type that thrives with the right advisorResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Rules of thumb make retirement planning sound simple, but simplicity can be misleading. Many of the decisions that matter most don’t fit neatly into checklists or headlines. Today, Taylor challenges black-and-white thinking and focuses on the trade-offs that quietly shape how retirement actually feels. Sometimes the hardest part isn’t choosing, it’s realizing there isn’t a perfect answer.Here’s what we discuss in today’s show:🧾 Social Security Timing: Why there’s rarely one “correct” filing age💡 Income Ripple Effects: How one decision quietly reshapes the rest of your plan💰 Liquidity Trade-Offs: When flexibility matters more than optimization🎁 Spending vs. Legacy: Deciding who benefits from your money and when⏳ Retirement Transitions: Easing in versus stopping all at onceResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Why are people with less money than you already free? Let's talk about it...Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

When a parent passes away, emotions and finances tend to collide, especially when real estate is involved. One of the most common things that stalls families is fear of taxes, even when that fear isn’t fully understood. Today’s listener question is about an inherited home and hesitant siblings.Here’s what we discuss in today’s show: 🏡 How the step-up in basis works for inherited homes 💸 Why most families overestimate the tax hit 📊 What gains are actually taxable after inheritance 👨‍👩‍👧‍👦 Common sibling and estate planning pitfalls ⚖️ When emotions- not taxes- cause the biggest problems Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Taylor recently worked with a client facing a challenge many high-net-worth individuals know all too well: analysis paralysis. Even at 57, with $4 million in savings and no debt, he was frozen by fear at the thought of taking the leap into retirement...Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

What happens when retirement starts earlier than planned? In this mailbag episode, a listener facing a layoff at age 55 asks how concerned they should be- and what options they actually have. The conversation walks through why early retirement is more common than people expect, how the Rule of 55 can provide access to income, and why replacing your full salary may not be necessary.Here’s what we discuss in today’s show:🚪 Why many retirees leave work earlier than planned 📅 How the Rule of 55 can unlock penalty-free income 💰 Which accounts can help bridge the gap before 59½ 🏥 How to plan for health insurance before Medicare 📊 Turning a forced change into a strategic planning opportunityResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

If you've got 7 figures saved for retirement but it still doesn't feel like enough, the problem isn't your portfolio size- it's your deployment strategy. Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Is it smart to skip long-term care insurance if you expect a future inheritance? In this episode, a listener’s mailbag question sparks a conversation about the risks of planning around money that isn’t guaranteed. The discussion explores why inheritances are unpredictable, how parents’ own care needs can change the outcome, and why uncertainty makes assumptions dangerous. You’ll hear practical insights on scenario planning, self-insurance considerations, and the importance of building a retirement strategy that doesn’t rely on “maybe” money.Here’s what we discuss in today’s show:🐘 Why inheritances are an unreliable long-term care strategy⚠️ The risks of planning on money you don’t control 📉 The real financial impact of in-home care, assisted living, and memory care📊 How running scenarios brings clarity and peace of mind🏠 Using personal assets as a last line of defenseResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Taylor reveals the 5 "safe" assets that secretly make you poor- investments that seem secure, but may actually be working against you.Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Some retirement myths sound reasonable enough that they start to feel true. In Part 2 of this series, Taylor continues the conversation by unpacking four more of those assumptions and where they tend to fall apart. Because in retirement, small assumptions can carry much bigger consequences.Here’s what we discuss in today’s show:💸 Lower Taxes? Why retirement doesn’t always mean a smaller tax bill📝 No Written Plan: The danger of relying on mental math⏳ Working Longer: Why this backup plan often fails⚠️ Easier Decisions: How retirement actually adds complexityResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Today, we're covering the ugly truth about claiming Social Security late, and why the conventional advice to wait until 70 could cost you money and freedom. Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Some of the most damaging retirement mistakes don’t come from reckless decisions; they come from ideas that sound reasonable and get repeated often enough to feel true. In part 1 of this 2-part series, Taylor tackles retirement myths that quietly undermine otherwise solid plans. These beliefs can create blind spots that don’t show up until it’s too late. If you want fewer assumptions and more clarity, this episode helps separate fact from fiction.Here’s what we discuss in today’s show:🧠 Myth Overload: Why common beliefs stick even when they’re wrong📚 More Isn’t Always Better: When overly detailed plans create confusion📜 Estate Planning Gap: Why a will alone usually isn’t enough❤️ Spousal Assumptions: The hidden risk of “they’ll be fine” thinking🚨 Market Panic: Why stopping spending during drops isn’t necessary if you’re prepared Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

What if the biggest mistake preventing your early retirement isn't your account balance, but how you're thinking about your 401k?Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Wondering how to leave a legacy for your heirs without handing more than you need to Uncle Sam? In this episode, Taylor tackles a listener’s question about legacy planning and smart tax strategies in retirement. Get insights on how to be more intentional with what you pass along and discover key moves that could help you keep more of your hard-earned savings. Here’s what we discuss in today’s show:🧾 Tax Planning: Reducing lifetime tax drag🔄 Roth Conversions: When to use them and how they make sense❤️ Charitable Giving: QCDs and purposeful generosity⏳ Advance Planning: Making moves before RMDs 🧭 Discovery Process: Aligning your money with your personal goalsResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Today, Taylor reveals the healthcare hack that makes early retirement feel easy and shows how the ACA marketplace can save you $20,000 a year, so the years before Medicare don’t hold you back. Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

With the holidays approaching, many retirees ask a simple question with complex implications: How can I help my kids financially- without creating tax headaches or hurting my own retirement? This conversation walks through smart gifting strategies, IRS rules to watch, and thoughtful guardrails that help generosity stay intentional. If you’re considering helping children or grandchildren, a little planning here can go a long way. 🎁 Annual gifting limits and what you can give without paperwork 📄 What happens when gifts exceed the IRS threshold 🎓 Tuition and medical expense exceptions most people overlook 💰 Which accounts are smartest to gift from in retirement ⚠️ Why generosity should never derail your own financial plan Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

What if everything you've been told about retirement savings is wrong? According to Fidelity, by age 40, you should've saved 3x your annual salary, and by 50, that jumps to 6x your income. If you're shocked, you're not alone. And figures like this can be deceiving...Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

A lot happened in 2025… Big political swings, stubborn inflation, new tax rules, and even a historic government shutdown. But what actually matters for your financial life? Today, Taylor looks back at the year’s biggest headlines and what they may mean for your plan moving forward. Sure, there was a lot of chaos, but learning to have a long-term strategy will give you the confidence you need for 2026. Here’s what we discuss in today’s show:🎉 Liberation Day: market shock and emotional reactions🌍 Tariffs: the markets saw volatility followed by rapid recovery📈 Inflation: lingering pressure on long-term plans🧾 Tax Changes: the impacts of the One Big Beautiful Bill🏛️ Government Shutdown: what the disruption means for youResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Deciding when to take Social Security is a major decision in your retirement planning, and while many people wait until full retirement age or beyond, there are some solid reasons to start at age 62. Today, Taylor breaks down why taking early can be a financially smart move, depending on your situation. From maximizing years of payments to protecting yourself during market downturns, he’ll explain how taking social security at 62 can help you get the most out of your retirement.📫 Subscribe to Taylor's weekly retirement insights newsletter: https://demars-financial-group.kit.com/827c64fe0eResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Taylor explores why so many investors get distracted by flashy ideas that promise more than they deliver. Instead of chasing hype, he breaks down the mindset and habits that help people stay focused on what truly drives long-term success. You’ll learn how to recognize a “shiny object” before it derails your financial plan. Here’s what we discuss in today’s show:✨ Beware of “shiny objects” in investing —many look better than they are 📈 Guaranteed high returns usually involve higher risk😬 FOMO is natural, but don’t let hot tips or hype derail your personal financial plan🧭 Focus on your unique goals and peace of mind, not just chasing high returns🏆 Be skeptical of advisor awards—many are more about marketing than meritResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

The longer you work, the better you retire...right? Well, what if that logic actually backfires after age 55?Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

We’ve all been told there’s no such thing as a bad question, but in retirement planning, how you ask the question can completely change the answer you get. Taylor breaks down why better-framed questions lead to clearer guidance, smarter strategies, and a plan that fits your life. Tune in to find out which questions could reshape your entire retirement outlook. Here’s what we discuss in today’s show:❓ Smarter Retirement Questions: how the quality of your questions shapes your plan🔄 Reframing “How Much?”: why savings targets only tell part of the story🎯 Returns vs. Lifestyle: focusing on the life you want- not just the numbers💼 Value in Good Advice: what real financial guidance should deliver🧾 Retirement Tax Strategy: planning around the IRS before it’s too late🏠 Mortgage Decision Making: when paying it off does or doesn’t make senseResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Today, Taylor shares strategies that traditional planning overlooks, especially in the final 10, 5, and 1 years before retirement.LTC Calculator: https://www.carescout.com/cost-of-careResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

What signs reveal an advisor isn’t truly planning for your best interest? Most people only ever work with one financial advisor, which makes it easy to miss warning signs that the fit isn’t right. Taylor breaks down the subtle but important red flags that often get overlooked, especially when you don’t know what “normal” should look like. And some of these red flags are so common you may not realize they’re red flags at all.Here’s what we discuss in today’s show:📜 The “Long Resume” Problem: why a scattered work history can be misleading📦 One-Size-Fits-All Advice: when every client gets the same solution📝 Weak Information Gathering: advisors who don’t listen or ask the right questions🔥 Over-Promising Results: big claims that signal trouble💸 Missing Tax Strategy: ignoring taxes and costing you real moneyResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Most people think crossing $2.5 million in retirement savings means their financial worries are over. But substantial wealth doesn't eliminate problems- it transforms them into new challenges.Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Downsizing might sound simple until you’re the one making the decision. There’s the emotional weight of leaving a home full of memories, the financial realities of today’s real estate market, and the lifestyle questions that come with changing how you live.  Today, Taylor unpacks the most common beliefs about downsizing and explains when moving makes sense and when it doesn’t. Here’s what we discuss in today’s show:🏡 Downsizing Emotions: the personal side of leaving a longtime home📉 Real Estate Reality: why a smaller home doesn’t always mean smaller expenses🌎 Geo-Arbitrage: moving from high-cost to lower-cost areas💰 Using Equity: when tapping home equity helps—or hurts✈️ Travel Freedom: reducing home maintenance to increase lifestyle freedomResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Most people think choosing between retiring at 55 vs 65 comes down to one question: Do you have enough money to stop working early? But after working with hundreds of retirees, Taylor has identified stark differences that go far beyond your savings account. Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Ever wonder what it’s actually like to work with a financial advisor long-term? In this episode, Taylor pulls back the curtain on the client experience, from regular check-ins and tax planning to navigating life’s biggest transitions. Discover how true planning goes far beyond numbers, focusing on relationships, strategy, and lifelong financial confidence.Here’s what we discuss in today’s show:💼 Beyond Basics: support that extends past typical financial services💬 Ongoing Dialogue: covering health, cash flow, and life changes📄 Hands-On Help: from tax forms to real-life implementation🎉 Client Wins: celebrating retirements and major milestones❤️ Life Transitions: guiding clients through loss and change🏆 Fiduciary Focus: a lifelong partnership rooted in trust and careResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Everyone treats pensions like the holy grail of retirement benefits. Guaranteed income for life, so what could go wrong? Almost everything if you don’t understand these four key factors...Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

Some people believe having two financial advisors means double the wisdom. But does it really equal double the problems? In today’s episode, Taylor breaks down the hidden challenges and provides insights into why a unified approach with one financial advisor might be a better strategy, especially as you near retirement. What most people really need isn’t more voices in the mix. It’s one clear, coordinated plan.Here’s what we discuss in today’s show:🚨 Hidden Pitfalls: The challenges of conflicting advice and lack of coordination between advisors🧐 Fear of commitment: Why some people split their money between advisors💡 Philosophies Matter: Understanding how different financial philosophies can lead to confusion🤝 One Advisor, One Strategy: The benefits of having a single financial advisor to manage your plan and coordinate with your teamResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

In this episode, Taylor discusses the hidden cost of working past 60 and why it's much worse than you might think.Resources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

In this kickoff episode of TaylorMade Retirement, Taylor Demars shares his journey as a third-generation advisor and how his family’s legacy shaped his passion for helping others build a secure, meaningful retirement. He reflects on lessons learned from his dad and grandpa, the values that guide his approach, and the trust he works to build with every client. Taylor also gives a glimpse into life outside the office, explains his two-stage planning process, and previews what listeners can expect from the show ahead. Here’s what we discuss in today’s show:🎙️ How a family legacy sparked Taylor’s passion for financial planning💬Building trust and connection with clients🧭 Inside Taylor's two-stage planning process🌴 A peek into Taylor’s routines, travels, and life outside the office🔮 What’s ahead: What you can expect from future episodesResources:Website:  https://www.demarsfinancial.com/Phone: (509) 536-9556Schedule an introduction call with Taylor: https://bit.ly/demarspodcastCheck out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirementTaylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0eDisclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.