The Harlow Wealth Retirement Hour

What if the biggest threat to your retirement savings isn’t the market or inflation, but a growing, silent tax bill you never saw coming? In this eye-opening episode, former IRS agent Dan Erickson unpacks the overlooked “tax cascade” that can push retirees into higher brackets, trigger surprise Medicare surcharges, and erode planned income. With real-life stories and plain talk, the show explores how simple timing mistakes or missed “tax valley” windows can cost thousands—while revealing smart strategies to help you navigate bracket management, Roth conversions, and new laws like the fleeting Senior Deduction. Why do most retirees miss these unseen traps, and which decision could change your long-term tax outlook? The path to more confident retirement income planning starts here.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

What if the taxman becomes your biggest expense in retirement? Discover the hidden “silent partner” that could claim a surprising share of your hard-earned savings—from IRAs to real estate—and why most retirees overlook these risks. This episode uncovers the often under-discussed pitfalls and powerful, legitimate planning techniques that can help you avoid tax surprises, maximize what you keep, and set up your legacy on your own terms. Unravel the complexities of retirement tax planning—and learn why the rules are never as simple as they seem.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

"Are you sure your financial advisor is legally required to put your interests first—or are you simply hoping they will?" This episode peels back the curtain on financial industry standards and exposes how overlooked conflicts can quietly drain your retirement savings. Dive into eye-opening questions that reveal if your advisor is acting as your true advocate, and discover what distinguishes genuine fiduciary care from mere suitability. Curious what might be missing from your retirement plan? Find out what critical steps could set you on firmer financial ground.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Recent surveys reveal a huge disconnect between what people believe they need for retirement and their actual progress toward saving to get there. Today Chris and Dan discuss the challenges of today's retirement landscape, and some of the new strategies you can use to help get potential retirees to the area they need to be to live their post-working dreams.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Chris and Dan take a look at various planning strategies you can use to save on taxes, including charitable giving programs, mixing traditional and Roth accounts and other items you may not be familiar with.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Is retirement security just a relic of the past? With pensions fading and workers facing a patchwork of 401(k)s and IRAs, today’s retirees must solve the challenge of creating a steady paycheck from unpredictable savings. This episode explores the crucial decisions, hidden pitfalls, and planning strategies at stake, setting the stage for a journey from financial anxiety to clarity. Discover why the income floor you build—and how you build it—could shape your retirement more than any single investment choice.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Is your retirement plan standing between risky market tumbles and runaway inflation? Discover why so many retirees feel like they’re walking a financial tightrope—and how the balance can be more elusive than you think. Join Chris Harlow as he unpacks emotional triggers, hidden portfolio leaks, and the “Goldilocks zone” for peace of mind. Which overlooked strategies could tip the scales in your favor? The answers may challenge everything you’ve been told about staying safe and growing your nest egg.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Inflation, market volatility and a reshaped tax code are converging to create both opportunities and hidden traps for retirement planning in today's landscape. Dan takes a look at each of these, and the reasons to use your portfolio to build a solid retirement plan that can navigate the traps surrounding the economy while taking advantage of opportunites to save on taxes and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

In the current financial landscape, many retirees find themselves collecting financial instruments such as stocks, mutual funds, and other holdings, but don't have a cohesive blueprint to build the retirement they desire. Dan takes a look at why having a portfolio is not the same as having a true retirement plan, and discusses the ways to help make that happen.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

What happens when the safety net you expected is gone, and your 401(k) is your only lifeline for a decades-long retirement? In this episode, we confront the daunting transition from saver to spender and expose the hidden pitfalls that threaten your nest egg—tax traps, inflation’s slow drain, and the risks of market downturns. With new tax laws reshaping the landscape and traditional pensions disappearing, you’ll discover why today’s retirees face uncharted territory, and which strategies might help you build lasting income security in an era of uncertainty. The answers may surprise you—but the questions you’re not asking could matter most.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Dan takes a look at various strategies to use to help save on taxes and keep more money in your pocket.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Recent surveys reveal a huge disconnect between what people believe they need for retirement and their actual progress toward saving to get there. Today Chris and Dan discuss the challenges of today's retirement landscape, and some of the new strategies you can use to help get potential retirees to the area they need to be to live their post-working dreams.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The 80% Rule has been a staple of financial planning for many years. It is an easy button which maintains that retirees will only need 70-80% of their pre-retirement income to maintain their standard of living once they quit work. Today Dan discusses why this long standing thought is outdated, considering the different patterns of spending the modern retiree wants in their post-working years, as well as factors like volatility, longer life spans, persistent inflation and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

It's a real possibility that you could have a retirement which lasts 30-40 years, which means your money has to last that long as well. Chris is back this week with Dan to discuss longevity risk and some of the strategies you can use to help your retirement savings last as long as you do.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Dan discusses the best ways to use asset allocation for your investments based on your age and where you are concerning your retirement or pre-retirement status.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Dan looks at some of the most common mistakes retirees make when it comes to their investments. They include taking on too much risk, or sometimes not enough risk, as well as making emotional decisions which lead to mistakes that can cost them thousands. He also discusses strategies to use to help work around some of these issues and give you the right balance between growth and stability in your investments.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Taxes are always an issue in retirement, especially when it comes to selling assets or passing them along to the next generation. Chris and Dan take a look at strategies you can use to help mitigate the tax liability you could face when it comes to turning these assets around.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Dan and John Aarhus take a look at income diversification and the ways to create multiple streams of retirement income which can provide what you need, as well as help minimize taxes and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

In this episode, Chris and Dan take a look at how market volatility triggers powerful emotional responses in people that can lead them to make bad decisions with their investments. They discuss how working with a financial professional can help you to avoid making emotional decisions and stay on track with your investments, avoiding the issues of underperformance that plague so many retirees.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Many advisors fail to fully disclose the true level of risk their clients are taking on in their portfolios. Dan and Alex Diaz take a look at how much risk can be involved in various portfolio programs, how this affects the ability to draw income, and how it can be mitigated with a comprehensive plan which balances growth potential with appropriate preservation methodology. The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Chris and Dan discuss three critical areas that need to be addressed within a retirement financial plan - tax planning, managing investments, and generating income - focusing on the importance of each and how they all work together.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

The question isn't whether you will face market volatility in retirement, but when - and whether you are prepared for it. Chris and Dan discuss strategies that can provide the knowledge for you to navigate volatility in retirement, and even learn to use it to your advantage.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Dan Erickson and John Aarhus continue the discussion from last week on ways to provide reliable income for retirement.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

What are the main components of putting a retirement income plan together? Chris addresses this issue and how to turn an IRA or 401K or similar savings plan into reliable retirement income, as well as why the 4% Rule developed in the 90's is considered outdated in today's economy.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

It's a real possibility that you could have a retirement which lasts 30-40 years, which means your money has to last that long as well. Chris is back this week with Dan to discuss longevity risk and some of the strategies you can use to help your retirement savings last as long as you do.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Many people take Social Security at the wrong time, leaving thousands of dollars on the table. Today Dan goes over the complexities of how to take Social Security, especially as it involves couples and the various strategies they can use to optimize their benefits to get the most from this program.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Market volatility can trigger emtional responses that may not be in the interest of retirees when implementing their plan. Dan and Alex Diaz take a look at ten thought provoking questions to answer when faced with reacting to the ups and downs of market activity.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

With all the variables such as market risk, longevity risk, taxes and more involved, a one size fits all approach such as the four percent rule no longer applies to retirement income planning. Today Dan and Aaron look at alternative ways of approaching planning that involve looking at essential and non-essential expenses and ways to assure guaranteed income for the former, as well as providing for growth and flexibility for the future.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Turning your retirement savings accounts into vehicles that can provide steady, reliable income is a different process. Today Chris and Dan take a look at the way this is done, using various financial strategies and vehicles that do exactly that.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Dan and John Aarhus discuss the challenges involved in today's retirement planning, and some different strategies to help create income, protect against inflation, and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Chris and Dan look at various strategies used to help you keep more money in your own pocket instead of needlessly paying it to Uncle Sam.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Dan and Tommy Snyder take a deep dive into the topic of rebalancing and why it is important to a portfolio to keep one's investment goals aligned when looking at retirement.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Many people have adequate savings in their 401K or IRA accounts, but still are concerned that they may not have enough money to last in retirement - because they don't know how to turn that money into regular income. In this episode Dan discusses various strategies that can help bring a regular retirement paycheck out of those accounts and give retirees clarity going forward.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Dan Erickson and John Aarhus take a look at some common mistakes people make when considering or making retirement plans, including inappropriate investment choices, rushing into Social Security decisions, not planning for inflation or taxes, and more.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Chris and Dan take a deep dive into inflation and the importance of planning for it in a comprehensive retirement plan. The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Chris and Dan take a look at rebalancing your portfolio and why it should be done periodically to help reduce the risk you could be taking depending on the performance of what is in the portfolio.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Dan Erickson and Aaron Argiso take a look at the potential longevity of retirement, and how long your money may need to last because of it. They also look at ways to help stretch your retirement savings out to help it cover all the years you could be around in retirement.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Chris and Dan discuss three areas that are crucial to a successful retirement plan - income planning, tax planning and managing investments. These areas are all different in retirement than they are when someone is working, and the guys take a look at what needs to be done to help your plan be as efficient as possible.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.

Today Dan and Alex Diaz from the Harlow Wealth office look at risk, and how people who think they are invested conservatively may not be, because their advisor thinks of conservative investments differently than they do.The Harlow Wealth Retirement Hour is a long running radio program featuring advisors from Harlow Wealth Management, based in Vancouver, Washington. Chris Harlow, Dan Erickson and their team discuss topics related to retirement, areas to cover in an economic plan, and how such a plan can be individually tailored to meet the needs of any particular individual or couple.