Texas Sized Retirement … Simplified

Could your savings be quietly losing value—even while it looks like it’s growing? In this episode, Glen Hancock explores the concept of “lazy money” and why cash sitting in low-yield accounts may be falling behind inflation. He breaks down how taxes, rising costs, and hidden loss of purchasing power can impact long-term financial health, even when balances appear stable. The conversation also highlights strategies for putting idle savings to work more intentionally, including income planning and tax-aware approaches that align with specific financial goals. It’s a practical look at making your money more productive in retirement. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What if caring for a loved one quietly puts your own retirement at risk? In this episode, Dave Hodson and Glen Hancock dive into the real financial and emotional impact of caregiving and why so many families are caught unprepared. They explore the rising costs of long-term care, common misconceptions about Medicare coverage, and the risks of relying on the “do nothing” plan. The conversation also highlights how caregiving can reshape careers, drain savings, and shift family dynamics. It’s a candid look at planning ahead to help protect both your loved ones and your financial future. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Warren Buffett stepping down at 95 isn’t just the end of an era—it’s a chance to revisit the timeless principles behind his success. In this episode of Texas‑Sized Retirement...Simplified, financial advisors David Hodson and Glen Hancock unpack Warren Buffett’s most enduring investment lessons and how they apply to real‑world retirement planning. The conversation explores saving before spending, the power of time and compounding, avoiding emotional investing, and protecting portfolios from unnecessary losses—especially near retirement. With relatable stories and practical analogies, David and Glen break down how mindset, discipline, and consistency can shape long‑term outcomes well beyond market headlines. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Annuities are being purchased at record levels—but most people still aren’t sure what they actually are. In this episode of Texas Size Retirement...Simplified, financial advisors David Hodson and Glen Hancock break down the confusion surrounding annuities and why they continue to spark strong opinions. The conversation explores how annuities have evolved, common misconceptions, how they compare to tools like CDs and bonds, and the role they can play in income, protection, and portfolio balance. David and Glen also discuss fees, common red flags, and the importance of understanding how an annuity fits into your overall retirement plan—rather than viewing it as a one‑size‑fits‑all solution. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What keeps someone creating, contributing, and moving forward after decades of success? In this episode, Dave Hodson and Glen Hancock sit down with legendary country music artist and songwriter Paul Overstreet for a thoughtful conversation about music, family, faith, and lifelong purpose. Paul shares the early influences that shaped his songwriting, the role his family has played in his career, and why passion doesn’t fade with age. From iconic songs to reflections on staying engaged in later seasons of life, this discussion offers meaningful perspective on creativity, fulfillment, and continuing to do what you love. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Estate planning isn’t just paperwork—it’s the story your life leaves behind. In this episode of Texas Sized Retirement …Simplified, David Hodson and Glen Hancock of Advanced Financial Strategies continue their conversation with estate planning attorney Jamie Peterson by exploring the emotional and relational side of legacy planning. They discuss how families navigate “equal versus fair,” plan for special circumstances, blended families, and non‑traditional assets, and why coordination between financial advisors and attorneys matters. The episode also addresses digital assets, passwords, and the importance of clearly documenting intentions so loved ones aren’t left guessing during difficult moments Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Most people avoid estate planning because they think it’s only for the wealthy — until a simple mistake creates years of stress. In this episode of Texas Sized Retirement …Simplified, David Hodson and Glen Hancock of Advanced Financial Strategies sit down with estate planning and probate attorney Jamie Peterson in the first of a 2-part series, to break down what estate planning really is — and what it isn’t. They discuss why even modest estates need clear documents, how beneficiary designations can override a will, when probate is unavoidable, and which basic legal documents every adult should have in place. This conversation highlights real‑world scenarios that show how small oversights can create big complications for families Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What if moving your money – from a 401(k) to an IRA, or from one account to another – has bigger consequences than you realize? In this episode, Dave Hodson breaks down the hidden pitfalls and overlooked advantages of rolling funds between accounts, from tax surprises to the dangers of chasing short‑term returns. He explains why understanding your goals, timelines, and retirement strategy matters far more than simply checking a rollover box. With real client stories, clear guidance, and practical insights, this conversation helps listeners rethink how they handle old employer plans, annuities, Roth conversions, and the mix of buckets they rely on for retirement. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What if the biggest retirement mistake isn’t what you think -- but the way you plan your monthly income? In this episode, financial advisor Dave Hodson breaks down why retirees often struggle after leaving the workforce and how smart planning can prevent panic withdrawals, unexpected taxes, and lifestyle shocks. From handling healthcare surprises to navigating inflation, longevity, rental income gaps, and the role of annuities, Dave explains how to build a sustainable income strategy that mirrors your working‑years stability. If you’ve ever wondered how to retire without feeling like you’re in free‑fall, this conversation offers a clear-eyed roadmap for staying confident and prepared. Call 800-876-3817, email [email protected], or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Why do so many financial resolutions fade by February—and what can you do to make your goals stick this year? In this episode of Texas Size Retirement Simplified, host Glen Hancock explores the psychology and strategies behind successful New Year’s money habits. From the new Trump savings account for kids to maximizing 401(k) contributions and tackling “budget creep,” Glen shares practical tips for turning good intentions into lasting results. Discover how small, consistent actions and smart tax moves can set you up for long-term success, whether you’re saving for retirement or helping the next generation get ahead.   Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What if the real secret to building wealth isn’t timing the market, but harnessing the power of consistency and compounding? In this episode of Texas Size Retirement Simplified, hosts Glen Hancock and Dave Hodson reveal how steady saving, dollar cost averaging, and disciplined investing can help you weather market storms and grow your portfolio—no matter where you are on your financial journey. Discover practical strategies for overcoming emotional investing, balancing short- and long-term goals, and making your money work harder for you. Whether you’re just starting out or preparing for retirement, this conversation will help you turn small steps into big results.   Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

As the year wraps up, are you overlooking key steps that could shape your financial future? In this episode, David Hodson and Glen Hancock share a practical end-of-year checklist to help you maximize retirement contributions, harvest investment gains and losses, avoid costly RMD penalties, and make the most of charitable giving. They also break down Roth conversions, FSA and HSA strategies, and why a year-end review with your advisor can make all the difference. Whether you’re planning for 2026 or just want to keep more in your pocket, these timely tips can help simplify your retirement plan. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

What if your retirement savings grew so much that your required minimum distribution—and the tax bill—left you stunned? In this episode, hosts David Hodson and Glen Hancock break down the “tax time bomb” lurking in large retirement accounts and reveal overlooked strategies to help manage RMDs, minimize taxes, and keep more of your hard-earned money. From qualified charitable distributions to Roth conversions and new provisions in the Secure Act, discover how early planning and smart moves can make a big difference. Whether you’re approaching retirement or already facing RMDs, this conversation highlights the importance of proactive tax strategy. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Did you know your income could make your Medicare premiums surge? In this episode, financial advisor Glen Hancock tackles the hidden costs of Medicare, from IRMAA surcharges to prescription drug expenses and supplemental plans. Discover how retirement, tax planning, and healthcare choices are deeply connected—and why reviewing your coverage each year is crucial. Learn about strategies like qualified charitable distributions, new prescription cost caps, and ways to avoid unexpected expenses. Whether you’re planning for yourself or helping a loved one, this episode sheds light on the real factors that shape your Medicare costs. Part 2 of a 2-part series. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Confused by Medicare’s alphabet soup? This episode unpacks the essentials of Medicare open enrollment, revealing what every senior needs to know about choosing between Original Medicare, Medicare Advantage, and Medigap plans. Financial advisor Glen Hancock breaks down the costs, coverage, and critical enrollment periods—plus the real-life factors that make each choice unique. Whether you’re enrolling for the first time or helping a loved one, discover practical insights to protect your health and finances. Tune in for clarity on hospital stays, doctor visits, prescription coverage, and the math behind making the right decision for your retirement. Part 1 of a 2-part series. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Ever wondered how the latest tax bill impacts your retirement and estate planning? Dive into our latest episode where we break down the complexities of the new legislation, making it simple and relatable. From charitable deductions to multi-generational planning, we cover it all with expert insights and practical advice. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Ever wondered how the latest tax legislation could reshape your retirement? Join us as we dive into the 'One Big Beautiful Bill' and its sweeping impact on estate planning, Medicare, and tax deductions. Discover how these changes could affect your financial future and what steps you can take now to prepare. Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

With David Hodson away, Glen Hancock of Advanced Financial Strategies talks about age 59.5 and what the tax penalties are for withdrawing from certain annuities before then. Glen also explains a special rule that allows for penalty-free withdrawals and a Ben Franklin quote about financial returns. And Glen praises the University of Texas women’s softball team and Texas barbeque.   Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.  See omnystudio.com/listener for privacy information.

With David Hodson away, Glen Hancock of Advanced Financial Strategies continues his mini-series on annuities, by describing how income annuities work. Glen explains how annuities are the opposite of life insurance and explains five benefits of them, including how they work like pensions, their growth, and their riders that help with long-term care and death benefits. And Glen discusses the penny going out of circulation and relates that to how annuities and other retirement tools have changed.   Call 800-876-3817, email [email protected] , or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Financial Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Glen Hancock and co-host Doug Turnbull talk about a call that coaching great Nick Saban made in 2013 that could soon make him a billionaire. Glen compares that to the crucial calls that people can make to advisors to help them form strategies for more growth and income than they could arrive at on their own. Glen then explains multi-year guaranteed annuities (MYGAs) and how they compare to other annuities. He also explains the main tax differences between these plans and bank CDs. And Glen details how the Ausitn and Waco offices for Advanced Financial Strategies still service all clients, even with David on sabbatical for a few months.   Call 800-876-3817 or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

With David away, Glen Hancock discusses how fear consumes many people and part of the reason is because they don't have a steady plan. Glen explains the evolution of annuities and how "they aren't your grandma's annuities." Glen defines fixed index annuities, explains how they work, and why they are a long-term plan for steady growth and for preserving a nest egg. Glen also details the triple-digit heat the he is feeling in Austin. Call 800-876-3817 or go to AFSretirement.com to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Glen Hancock & David Hodson talk about required minimum distributions and qualified charitable distributions. David and Glen define what a RMD is and the age those need to be taken from pre-tax accounts. They also share ways to minimize the weight of taxes when taking RMDs and how QCDs can be good ways to take that income. David also shares about his spiritual, six-month sabbatical he is about to take in Illinois. Click here or call 800-876-3817 to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

David Hodson & Glen Hancock discuss the turbulent market. Glen and David share the characteristics of people who have come out ahead in the various market turns in the last decades and why diversification is important. They also discuss fixed index annuities and the strategies to gain better returns. They also share how timing the market rarely works. And the group has a laugh about March Madness. Click here or call 800-876-3817 to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person.See omnystudio.com/listener for privacy information.

Glen Hancock & David Hodson take a deep dive on Medicare and especially how some recent changes are benefiting teachers and other government workers. Glen shares about certifications he has that help him to lead people in discussions about the best Medicare approaches for them. Glen and David also discuss the balance between Medicare and the Teacher Retirement System, changes in prescription drug plans, and good changes in premium amounts. They also remind people of the family friendly shredding event on March 29th at the Waco, Texas AFS office. Call 800-876-3817 or click here to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person. Join David and Glen for live music, street tacos…and shredding on March 29th from 11 a.m. to 2 p.m. at their Waco, TX office on 125 Topeka Dr. Bring those papers over that are more than seven years old and have a good time with the whole family. Call the office to learn more.See omnystudio.com/listener for privacy information.

David Hodson & Glen Hancock again discuss Social Security and how some recent changes can benefit government employees. David and Glen explain how Social Security calculations work. They also explain how the spousal benefit can be easily overlooked and can mean hundreds of dollars more per month. David and Glen also share what people need to do to make sure they qualify for Social Security, including steps they should take on SSA.gov. They also talk about a shredding event at one of their offices on March 29th that will have food and live music. Call 800-876-3817 or click here to schedule a complimentary call with David and Glen of Advanced Retirement Strategies. They help make retirement income planning become simplified and chart out the best strategies tailored to each person. Join David and Glen for live music, street tacos…and shredding on March 29th from 11 a.m. to 2 p.m. at their Waco, TX office on 125 Topeka Dr. Bring those papers over that are more than seven years old and have a good time with the whole family. Call the office to learn more.See omnystudio.com/listener for privacy information.

Glen Hancock & David Hodson recap the main benefits of The Fairness Act. Then Glen and David discuss the actions that teachers and federal employees should take to secure their full benefits and how far back retroactively those benefits extend. They also talk about how Advanced Financial Strategies can walk people through every step of this process and why tax planning is necessary because of these income changes. Ready to build your retirement plan? Visit https://afsretirement.com/ to connect with David, Glen, and their team today!See omnystudio.com/listener for privacy information.

David Hodson & Glen Hancock discuss the passing of The Fairness Act. David and Glen share who benefits from the law and why they campaigned themselves for it for over 20 years. They also share why they are passionate about meeting with anyone that is affected by this Social Security adjustment and getting them the money they feel these government workers deserve. David and Glen also recount their holiday plans with their families and Glen shares the new slogan he is using these days. Ready to build your retirement plan? Visit https://afsretirement.com/ to connect with David, Glen, and their team today!See omnystudio.com/listener for privacy information.

Glen Hancock and David Hodson break down the different thresholds for annual giving limits and taxes after death. They explain how they walk clients through strategies and giving and getting their estate value to a certain number to avoid taxes. The duo also explains what trusts are, why they only work for certain clients, and how their firm has different products and people on staff to walk clients through this complicated process. See omnystudio.com/listener for privacy information.

David Hodson and Glen Hancock discuss how they walk clients through the process of adding kids or other beneficiaries to different accounts, as clients age. David has a story about an aging mom, who made that choice while she still could, and Glen explains how only having a power of attorney alone can still be very complicated. David and Glen also discuss their holiday plans and trips they plan to take. See omnystudio.com/listener for privacy information.

Glen Hancock & David Hodson break down the tax implications of qualified and non-qualified funds and the types of accounts that are in those categories. Glen and David talk about “tax time bombs” and how to portion out deposits and payments to make those less, well, taxing. And Glen tells listeners about Austin, while David describes what Waco is famous for.See omnystudio.com/listener for privacy information.

David Hodson & Glen Hancock discuss what first-time visitors to Advanced Financial Strategies should bring with them: tax docs, account statements, and their retirement goals. Glen explains why these are so important and David digs into the different tax strategies they can discuss. Glen and David also have a laugh about David passing up on a chance to join Glen at the big Texas-Georgia football game.See omnystudio.com/listener for privacy information.

David Hodson of Advanced Financial Strategies is proud to provide a podcast option for people seeking to further their financial literacy and plan for their future. “Texas Sized Retirement … Simplified,” will provide tips and a general road map to help navigate what can seem like a long road to retirement filled with hazards and blind turns. Subscribe and tune in as each episode will provide valuable information regarding income planning, tax minimization, legacy planning, and more! No matter what stage of the retirement journey you are in, “Texas Sized Retirement … Simplified,” strives to help with strategies that build towards your vision.See omnystudio.com/listener for privacy information.

David & Glen discuss their backgrounds in financial services industry, their motivations for helping clients with retirement planning, and the importance of community in their work. They share personal stories about their journeys to Texas and how they built a successful partnership in the financial industry, emphasizing the joy of working with clients and the satisfaction that comes from helping others achieve their retirement goals. #retirement #financialplanning #clientrelationships #financialstrategies #retirementgoals #financialindependence See omnystudio.com/listener for privacy information.

David and Glen discuss the fundamentals of 401(k) and 403(b) retirement accounts, emphasizing the importance of understanding these financial tools for effective retirement planning. They highlight the differences between these accounts, the significance of financial education for educators, and strategies for maximizing retirement savings. The conversation underscores the need for consistent contributions and informed decision-making to secure a financially stable retirement. #401k #403b #retirementplanning #financialeducation #taxstrategies #retirementsavings #investmentstrategies #pensionplansSee omnystudio.com/listener for privacy information.