The Retirement Playbook
by John Croze, John Goodhue
Each week John Croze and John Goodhue of APO Financial give you the straight talk and honest answers you need to understand the complexities of retirement planning. John Croze uses his 30 years of teaching math and science, as well as football coaching experience, to help you learn about your retirement options. John Goodhue, Founder and CEO of APO Financial uses his many years of experience and law background to tell you what you need to know to have a satisfying retirement. There's a different set of topics every week, so get ready to learn!
Episodes
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Retiring On What You Have - Making Social Security And A Pension Work Together.
In this episode Jeff and Coach Croze discuss retiring with what you have - making social security and modest savings work. Also, 5 retirement traps you can't afford to fall into, and can you afford to retire, or do you need to work just one more year? He also answers listener questions.
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Types Of Retirement Income The IRS Doesn't Tax
In this episode Jeff and Coach Croze discuss types of retirement income the IRS doesn't tax, the perfect retirement portfolio, women and retirement, and they answer listener questions.
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5 Things You Need To Get Right For A Successful Retirement
In this episode Jeff and Coach Croze discuss 5 things you need to get right for a successful retirement, target date funds, lessons from Dolly Parton - kepp your legacy from becoming a family feud.
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The October Watch List - Things To Look Out For This Month
In this episode Jeff and Coach Croze discuss the October watch list - tings to look out for this month. Also, Medicare open enrollment, immediate annuities vs deferred annuities vs fixed index annuities - which is right for you.
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Five Financial Traps You Don't Realize You're In
In this episode Jeff and Coach Croze discuss 5 financial traps you don't realize you're in, just because the IRS let's you delay your first RMD, should you? Also do you really need to pay off the mortgage before retirement, and they answer listener questions.
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The Danger Of Trying To Live On Social Security Alone
In this episode Jeff and Coach Croze discuss: The Danger Of Trying To Live On Social Security Alone The Widow’s Tax – Why Losing A Spouse an create a Tax Problem You Never Expected Listener Questions Canada – US – Cross Border Retirement Planning
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How Much Retirement Do You Actually Need?
In this episode Jeff and Coach Croze discuss how much retirement you actually need, 7 problems solved your retirement plan needs to survive, conservative money is paying again, and they answer listener questions.
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The 5 Pillars Of A Successful Retirement
In this episode Jeff and Coach Croze discuss the 5 pillars of a successful retirement, the IRA cash trap - is your money really invested. Also questions to help you determine if you're really ready to retire, and they answer listener questions.
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Reinventing Your Retirement Playbook
In this episode Jeff and Coach Croze discuss reinventing your retirement playbook, the 5 "Fs" of a great retirement, and they answer listener questions.
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How Long Will $250,000 Last In Retirement?
In this episode Jeff and Coach Croze discuss how long $250,000 will last in retirement, what if retirement comes earlier than expected, should you leave your kids an inheritance or should you spend it yourself, and Coach answers listener questions.
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DIY Retirement Planning - Is Is Costing You Money?
In this episode Jeff and Coach Croze discuss DIY retirement planning - is saving the advisor fee costing you money. Also, is it time to take risk off the table, the Camp, an asset or a big money pit, and they answer listener questions.
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Turning Your Retirement Savings Into A Paycheck You Can't Outlive
In this episode Jeff and Coach Croze discuss turning your retirement savings into a paycheck you can't outlive, the final 5 years before retirement, the funny things no one tells you about when you get to retirement, and they answer listener questions.
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The Retirement Stress Test
In this episode Coach and Jeff discuss the retirement stress test - if we had another 2022, would your plan hold up? Also how to plan for retirement's go-go, slow-go, and no-go years, 4 questions to ask before you retire, and they answer listener questions.
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Inflation Is Quietly Stealing Your Cash - Where You May Want To Park Your Savings
In this episode Jeff and Coach Croze discuss inflation quietly stealing your cash - where you should park your savings. Also, 8 costly 401 K mistakes that could tank your retirement, buying an RV, and they answer listener questions.
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The New Definition Of The American Dream
In this episode Jeff and Coach discuss the new definition of the American dream, should retirees take less risk in retirement, rural healthcare and Medicare in the UP and they answer listener questions.
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10 Costly Social Security Mistakes To Avoid.
In this episode Jeff and Coach discuss the 10 most costly Social Security mistakes to avoid, 8 retirement myths that could cost you thousands, the best low risk investments, and they answer listener questions.
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Five Financial Moves to Make Before Labor Day
In this episode Coach and Jeff discuss the July retirement checkup, 5 financial moves to make before Labor Day, the biggest retirement mistakes made during bull markets, and they answer listener questions.
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Declare Your Financial Independence
In this episode Jeff and Coach Croze discuss what declaring you financial independence really means, financial freedom that every retiree should strive for, and they answer listener questions.
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Today's Market and Geopolitical News - What Retirees Should Know Right Now.
In this episode Jeff and Coach Croze discuss todays market and geopolitical news. Also long-term care costs, managing longevity risk, and they answer listener questions.
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Can I Retire This Year?
On this episode Jeff and Coach Croze discuss whether you can retire this year, what would happen to my spouse if I passed away tomorrow, the retirement happiness formula, and they answer listener questions.
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5 Years Before Retirement - Start Refining Your Income Plan Now
In this episode Jeff and Coach Croze discuss refining your income plan 5 years before retirement. Also why working longer isn't always an option, gifting money to adult children, and they answer listener questions.
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The Retirement Squeeze - Why It Still Feels Tight
In this episode Jeff and Coach Croze discuss the retirement squeeze, why it still feels tight. Also they discuss target date funds, the 5 retirement mistakes that people realize when it is too late, and they answer listener questions.
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Hot Markets, Rising Rates, and Inflation Pressure.
In this episode Jeff and Coach Croze discuss hot market, rising rates, and inflation pressure. Also, retirement problems you can't fix alone, 65 is no longer the retirement age, and they answer listener questions.
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Retirement Problems You Can't Fix Alone
In this episode Coach Croze and Jeff discuss hot markets, rising rates, and inflation pressure and what it means for you. Also retirement problems you can't fix alone, why 65 is no longer the ideal retirement age, and they answer listener questions.
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How Do You Know Where You Stand For Retirement?
In this episode, Jeff and Coach Croze discuss how you know where you stand for retirement. Also 7 investment behaviors that hurt retirees the most, the common investments people in the UP have in their 401K, and Coach answers listener questions.
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7 Crucial Retirement Mistakes And How To Avoid Them
In this episode Jeff and Coach Croze discuss 7 crucial retirement mistakes and how to avoid them, how to turn your 401K into a lifetime retirement paycheck, estate planning mistakes and how to avoid them, and they answer listener questions.
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Retirement Planning Has Evolved - Is Your Plan Keeping Up?
In this episode Jeff and Coach Croze discuss why retirement planning isn't as easy as it used to be, annuities, guaranteed income or confusing trap. Also set id forget it retirement plans are how you run out of money, and they answer listener questions.
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The Hidden Risks Of Playing It Too Safe In Retirement
In this episode Jeff and Coach Croze discuss hidden risks - playing it too safe in retirement. Also growing your money without blowing it up, whether you really need an estate plan along with answering listener questions.
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The 6-Step Retirement Check Up
In this episode Jeff and Coach Croze talk about the 6 step retirement checkup - are you actually on track. Also 6 high yield investment strategies without taking crazy risk, why your taxes can spike in retirement, and they answer listener questions.
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The Perfect Storm Is Brewing For Retirees And How To Navigate It
In this episode Jeff and Coach Croze discuss the perfect storm brewing for retirees and how to navigate it. Also not running out of money in retirement, the biggest regrets that retirees have, and they answer listener questions.
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Reasons the 60/40 Stock/Bond Portfolio Is Not Relevant Today
In this episode Jeff and Coach Croze discuss reasons the 60/40 stock-b0nd portfolio isn't relevant today. Also reasons to convert your 401K to an IRA. Plus they answer listener questions.
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5 Smart Strategies To Create A Retirement Paycheck
In this episode Coach and Jeff discuss what today's economic headlines mean for your retirement, 5 smart strategies to create your retirement paycheck, spring cleaning your finances, and they answer listener questions.
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Turning Your Savings Into Retirement Paychecks
In this episode Jeff and Coach Croze discuss turning savings into paychecks, why the solo years of retirement are the most critical, 7 tax free investments to consider for your portfolio, and they answer listener questions.
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Should You Invest When The Market Is At An All-Time High?
In this episode Jeff and Coach Croze discuss whether you should invest when the market is at an all-time high, retirement mistakes you'll regret forever, 5 Ronald Reagan quotes for retirees to live by.
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Retirement Planning For Conservative Investors
In this episode Jeff and Coach Croze discuss retirement planning for conservative investors, what to do with your 401k when you retire, leaving money to kids versus spending it, and they answer listener questions.
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Inflation-Proofing Your Retirement Income
In this episode Jeff and Coach Croze discuss inflation-proofing your income, conservative investing, avoiding scams, and he answers listener questions.
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Why The First Five Years Of Retirement Matter More Than The Next 20.
In this episode Jeff and Coach Croze discuss why the first 5 years of retirement matter more than the next 20, common retirement and investment misconceptions, and they answer listener questions.
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The 5 Retirement Decisions You Need To Get Right Before You Retire
In this episode Coach Croze and Jeff discuss the 5 retirement decisions you need to get right before you retire, AI can't design your retirement plan, retirement goals and life beyond the numbers, and they answer listener questions.
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Are You On Track For Tax Savings In 2026?
In this episode Jeff and Coach Croze discuss whether you're on track for tax savings in 2026, the 60/40 stock/bond portfolio, is it dead or misunderstood? Also timing social security to maximize income, and they answer listener questions.
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Retirement Planning Questions Everyone Should Be Considering
In this episode Jeff, John Goodhue, and Coach Croze discuss retirement planning questions everyone should be considering, withdrawal strategies and financial mechanics in retirement, rebalancing your investments as you near or enter retirement.
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Boost Your Retirement With Low Risk-High Return Investments.
In this episode Jeff and Coach Croze discuss boosting your retirement income with low risk-high return investments, the 9 expenses you may underestimate in retirement, why face-to-face financial guidance is the the gold standard. and they answer listener questions.
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Retirement Risks That Did Not Exist 20 Years Ago
In this episode Coach Croze and Jeff discuss 5 retirement risks that didn't exist 20 years ago, how to prepare for potential inflation this Spring, and they answer listener questions.
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A Look Back At 2025 and Ahead at 2026.
In this episode Coach Croze and Jeff discuss 2025 in review, a retirement reality check, looking ahead to 2026 and they answer listener questions.
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The Top 5 Retirement Moves Being Discussed Online Right Now
In this episode Jeff and Coach Croze discuss the top 5 retirement concerns being discussed online right now, why many retirees are re-thinking DIY planning, last minute money moves to make before 2026, and they answer listener questions.
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8 Tips To Make Your Money Last Through Retirement
In this episode Jeff and Coach Croze discuss The Roth IRA, 8 tips to make your money last through retirement, the landlord exit strategy, and they answer listener questions.
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Why The First 5 Years Before and After Retirement Are So Important
In this episode Jeff and Coach Croze discuss why the first 5 years and after retirement are so important, Medicare changes coming in 2026, retirement moves to make before 2026, and they answer listener questions.
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The First 5 Years Of Retirement And Money Moves You Must Make
In this episode Jeff and Coach Croze discuss the first 5 years of retirement and money moves you should make, creating a reliable paycheck in retirement, low risk investment strategies and they answer listener questions.
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Reliable Income Planning For 2026
In this episode Jeff and Coach Croze discuss reliable income planning for 2026, signs your retirement plan my not be right for you, Medicare options, and they answer listener questions.
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How To Know Whether You're Prepared To Retire
In this episode Coach and Jeff discuss how to know if you're prepared to retire, what you need to know about taking social security, budgeting using bumpers, and they answer listener questions.
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5 Retirement Traps You Can't Afford to Fall Into
In this episode Coach and Jess discuss 5 retirement traps you can't afford to fall into, the rule of 240 paychecks, how to retire early in 6 steps and they answer listener questions.
About this show
Each week John Croze and John Goodhue of APO Financial give you the straight talk and honest answers you need to understand the complexities of retirement planning. John Croze uses his 30 years of teaching math and science, as well as football coaching experience, to help you learn about your retirement options. John Goodhue, Founder and CEO of APO Financial uses his many years of experience and law background to tell you what you need to know to have a satisfying retirement. There's a different set of topics every week, so get ready to learn!
Hosted by
John Croze, John Goodhue