Wealth Beyond Work

In this episode, Zach Morris breaks down some of the most common retirement and financial planning questions people quietly wonder about for years — from how much money you actually need to retire to when to claim Social Security, Roth conversions, portfolio risk, withdrawal strategies, and more. Rather than focusing on one-size-fits-all answers, this conversation explores how taxes, spending, investing, healthcare, and lifestyle decisions all work together in retirement planning. If you want more clarity and flexibility heading into retirement, this episode provides a practical framework for thinking through the decisions that matter most.   Work with us: https://info.pacesferrywealth.com/learn-about-us Send in questions for Q&A Episodes: [email protected]

Planning for a loved one with special needs goes far beyond setting money aside. In this episode, Zach Morris sits down with Adam Earl of National Care Advisors to break down how special needs trusts work - and what can go wrong if they're not structured properly. They explore how to protect access to critical public benefits, the true lifetime cost of care, and why trustees need more than good intentions. This conversation highlights the hidden complexities families often overlook and how thoughtful planning can make a lasting difference in care and quality of life. Contact National Care Advisors: (800) 652-7404 Email our guest Adam Earl: [email protected] Download "Retirement By Design": https://info.pacesferrywealth.com/wbw Learn about Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us

Approaching Medicare can feel overwhelming - but it doesn't have to be. In this episode, Zach Morris sits down with Cole Craven of Move Health to break down the essentials: who qualifies, what each part actually covers, and how to avoid costly gaps and lifelong penalties. They unpack the critical decisions around Parts A, B, C, and D, the hidden 20% cost exposure many overlook, and the key differences between Medicare Supplement and Advantage plans. If you're nearing 65 or planning ahead, this conversation brings clarity to one of retirement's most important decisions.

Oil prices just saw their largest one-week surge in history, but the real story goes far beyond headlines. Zach Morris sits down with Jack Metzger of Paces Ferry Wealth Advisors to break down the true drivers behind the spike, including a little-known insurance crisis halting global oil flows. From the Strait of Hormuz disruption to inflation, LNG, and second-order effects on industries like semiconductors, this episode unpacks what's happening now, and what to watch next in the global energy market. Download "Retirement By Design": https://bit.ly/4bBIID1 Learn about Paces Ferry Wealth: https://bit.ly/41iwQkI

Tax credits can reduce what you owe dollar for dollar, and are increasingly accessible to high net worth investors seeking efficient tax strategies. CPA John Carson joins Zach Morris to break down how tax credits differ from deductions, how film credits are created and sold, and what documentation supports a clean and compliant transfer process. They also discuss how recent law changes expanded the transferability of federal renewable energy credits, making them more widely available and often simpler than traditional partnership-based structures.  Contact John Carson: Phone: (404) 520-8826 Email: [email protected]   Learn how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us/  Download our free guide "Retirement by Design": https://info.pacesferrywealth.com/wbw/

In this episode, Zach Morris and Jack Metzger break down the AI stack from the top: what "artificial intelligence" actually means, how machine learning and deep learning fit together, and why tools like ChatGPT are best understood as probability engines - not "thinking" machines. You'll also hear a clear explanation of hallucinations, the risk of model collapse as AI-generated content floods the web, and why compute (GPUs vs. TPUs) is shaping the competitive landscape - plus what the AI arms race could mean for markets, chips, and the Magnificent Seven.   Download your free 20-page guide "Retirement by Design": https://bit.ly/4rB1Wz1 Learn about Paces Ferry Wealth Advisors: https://bit.ly/4tnOSyR  

Retiring before 65 can be financially achievable—until health insurance becomes the wildcard. Zach Morris sits down with Cole Craven of Move Health to break down the real options for early retirees: COBRA, Affordable Care Act (ACA) marketplace plans, retiree health coverage, off-marketplace private plans, and healthcare sharing programs. They unpack how income drives ACA subsidies through MAGI, why the 400% federal poverty level "cliff" matters, and how cost-share reductions can lower deductibles and out-of-pocket exposure. If you're within a few years of retirement, this episode helps you plan ahead with clarity.   For your custom healthcare analysis, send an email to: [email protected] Learn more about PacesFerry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us Download "Retirement by Design": https://www.wealthbeyondwork.com/retirement    

In this crossover episode from our YouTube channel, Zach Morris breaks down how smart tax planning, strategic IRA withdrawals, and Social Security claiming decisions can dramatically impact your retirement income. He walks through qualified distributions, Roth conversion strategies, Social Security timing, and spousal benefit coordination, showing how intentional choices today can have the potential to reduce future taxes and increase long-term confidence. By understanding these moving pieces before retirement, you can avoid costly mistakes and create a clear, sustainable plan for the decades ahead. Download your free 20-page guide "Retirement By Design": https://www.wealthbeyondwork.com/retirement Learn about how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us  

Retirement coach Joe Casey joins host Zach Morris to explore what truly drives fulfillment after leaving full-time work. Drawing on decades of executive coaching and gerontology research, Joe outlines the four core pillars—health, relationships, lifelong learning, and fun—that shape a meaningful next chapter. He shares common mistakes, insights from his coaching practice, and why experimentation is essential before and after retirement. Joe also discusses phased retirement, identity shifts, and how to design a purpose-driven "portfolio life." A concise, practical conversation for anyone preparing for their next stage.   Get in touch with Joe: https://www.retirementwisdom.com/ Email: [email protected] Download your Guide: "Retirement By Design" : https://www.wealthbeyondwork.com/retirement Learn how to work with Paces Ferry Wealth Advisors: https://info.pacesferrywealth.com/learn-about-us/

In this episode, Zach Morris sits down with Leslie Pine, CEO of The Philanthropic Initiative (TPI), to explore what strategic philanthropy looks like in practice. Leslie shares insights from TPI's work helping donors and foundations align values, purpose, and impact across generations. They discuss the organization's founding by Peter Karoff, the evolution of modern philanthropy, and why intentional strategy matters more than ever in driving meaningful change. This conversation offers a clear, thoughtful look at how philanthropic leaders can move from good intentions to lasting impact. Contact The Philanthropic Initiative: https://tpi.org/ or download their book, A Generous Life here: https://tpi.org/resource/a-generous-life/ Work with Paces Ferry Wealth Advisors: https://bit.ly/4qipSqf Download "Retirement by Design": http://wealthbeyondwork.com/retirement        

High-net-worth families are facing a new generation of targeted cyber threats—and traditional antivirus tools aren't enough. In this episode, Zach Morris sits down with Kerry Terry and Sarah Rosen of BlackCloak to break down how sophisticated attackers identify and exploit executives, spouses, and even children. They explore the rise of "Ocean's Eleven"-style hackers, the growing role of AI in impersonation scams, and the risks hidden in everyday behaviors like social media sharing and QR codes. Kerry and Sarah also outline practical steps families can take today to reduce exposure and strengthen digital protection across the entire household. Get in touch with BlackCloak by emailing [email protected] or find more information at https://blackcloak.io/ Down your copy of "Retirement By Design": https://bit.ly/3McLXYV Learn more about how to work with Paces Ferry Wealth Advisors: https://bit.ly/4rK3doE  

In this YouTube crossover episode, host Zach Morris of Paces Ferry Wealth Advisors breaks down how donor-advised funds work and why they have become a leading tool for efficient charitable giving. He explores how DAFs compare with private family foundations, the tax advantages of using appreciated securities, and how front-loading donations can elevate long-term planning. Zach also highlights how donor-advised funds streamline recordkeeping, support legacy-focused giving, and create flexibility as financial needs evolve. Whether you're aiming to enhance tax efficiency or make a lasting philanthropic impact, this episode offers a clear, practical framework for using DAFs effectively.   Download your copy of "Retirement By Design": https://bit.ly/48U2Hg7 Learn how to work with Paces Ferry Wealth Advisors: https://bit.ly/4rFW9Jy  

Estate attorney Ritesh Patel of Cohen Pollock Merlin & Turner joins host Zach Morris to clarify when a trust truly makes sense—and when it doesn't. We cover revocable living trusts for probate avoidance and privacy, how trustees differ from executors, and why beneficiary designations (POD/TOD) should match your plan. Ritesh explains step-up in basis, risks of retitling retirement accounts, using sub-trusts for heirs, and strategies for high-net-worth families, creditor concerns, and incapacity planning. If you've wondered "Do I need a trust?" this episode turns buzzwords into practical next steps. Connect With Ritesh Email /// Website Phone: 770-857-4812 Download "Retirement By Design": https://bit.ly/RBDTrustswTesh Learn About Paces Ferry Wealth Advisors: https://bit.ly/TrustTeshLAU

The Secure Act ended the "Stretch IRA" for most heirs, but a Charitable Remainder Trust can provide a powerful alternative. In this episode, Zach Morris and estate attorney Ritesh Patel explore how CRTs work, their tax benefits, and how they can extend IRA payouts for beneficiaries while supporting charitable causes. Connect With Ritesh Email /// Website Phone: 770-857-4812 Download "Retirement By Design": https://bit.ly/RetirmentByDesignCRT Learn About Paces Ferry Wealth Advisors: https://bit.ly/AboutUsct  

In this episode of Wealth Beyond Work, host Zach Morris speaks with Shelly Donaldson of Cumberland Trust to unpack one of the most misunderstood areas of estate planning: the critical roles of trustees and executors. They discuss how to choose the right person or institution for these roles, avoid common family conflicts, and create guidance that preserves your legacy and supports future generations. From fiduciary responsibilities and incapacity planning to special needs trusts and family letters of intent, this conversation is packed with practical insights for anyone crafting or updating their estate plan. Connect With Shelly Website /// Email Phone: 678-795-2249 Download "Retirement By Design": https://bit.ly/RetirementByDesignCT Learn About Paces Ferry Wealth Advisors: https://bit.ly/AboutUsct    

In this episode of Wealth Beyond Work, host Zach Morris speaks with Tara Schramm of Assisted Living Locators about one of the most challenging decisions families face — when and how to transition a loved one into senior living. Tara shares how to know when it's time to start the conversation, the differences between independent living, assisted living, memory care, and skilled nursing, and the financial considerations families should plan for. You'll also learn about resources like respite care, long-term care insurance, and veterans' benefits that can make the process easier. Whether you're planning ahead or facing a crisis, this episode provides practical guidance to help you make confident, compassionate decisions. Connect With Tara Website /// Email Phone: 678-643-6911 Download "Retirement By Design": https://bit.ly/RetirementByDesignts Learn More about Paces Ferry Wealth Advisors: https://bit.ly/AboutPFWsl