The Sage Investor

Inflation shows up quietly—until one grocery run makes it impossible to ignore. In this episode of the Sage Investor Podcast, Larry Kiser unpacks what inflation really means for everyday spending and long‑term retirement decisions. The conversation explores how purchasing power changes over time, why emotion can derail even solid plans, and how history offers perspective during economic uncertainty. Larry discusses balancing growth, liquidity, and protection, along with the role of asset allocation in volatile markets. Listeners will hear how inflation is factored into retirement planning without letting fear dictate decisions, and why preparation matters more than reacting to headlines. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Tax season has a way of sneaking up—and for retirees, small missteps can have lasting consequences. In this episode of the Sage Investor Podcast, host Larry Kiser breaks down why tax preparation and tax planning are not the same thing, and why waiting until April can limit your options. Larry shares real‑world stories, common mistakes retirees make, and how coordination between a financial planner and a CPA can change outcomes over time. The conversation highlights forward‑thinking strategies, the importance of communication, and why value—not just cost—matters when building a tax‑aware retirement approach. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Annuities are everywhere, yet most people aren’t sure what they actually do—or why they spark so much confusion. In this episode, Larry Kiser breaks down why annuities have earned a mixed reputation and what’s often missing from the conversation. He explains the core differences between fixed, indexed, and variable annuities, along with the critical distinction between income and accumulation strategies. You’ll hear why control, liquidity, and clarity matter more than buzzwords or bonuses, and how pressure, complexity, and misunderstanding can become red flags. The discussion centers on helping people understand how annuities fit—or don’t fit—within a broader retirement plan, without oversimplifying the trade‑offs involved. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

The most dangerous part of retirement isn’t getting there—it’s what happens after you arrive. Using vivid parallels from Olympic downhill skiing and climbing Mount Everest, this episode explores why the “descent” into retirement requires just as much planning as the climb. Larry Kiser explains how market volatility, spending hesitation, and misplaced conservatism can quietly derail even well‑funded retirements. He shares how thoughtful asset allocation, liquidity, and ongoing guidance help retirees shift from saving to spending with greater control. At its core, this conversation highlights why successful retirement planning blends numbers with relationships—and why having an experienced financial Sherpa matters most when the slope turns steep Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

What if the choices you think are saving you money are actually costing you the most? In this episode, Larry Kiser breaks down the surprising concept of “spaving” — spending disguised as saving — and how it can quietly undermine even the most careful retirement plans. From emotional decision‑making to refinancing traps, 401(k) withdrawals, and the power of sticking to financial principles, Larry explains why seemingly harmless habits can compound into long‑term consequences. He also sheds light on the importance of building a realistic spending plan, understanding your emotional biases, and knowing when to seek professional guidance. This conversation helps listeners rethink the true impact of everyday financial choices. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

What if your entire retirement plan rested on just one income source--would it hold up when life changes? In this episode, Larry Kiser breaks down why modern retirement requires more than the traditional “three‑legged stool” and how today’s retirees must build diversified income streams to stay steady through market swings, Social Security uncertainty, and the loss of traditional pensions. Larry explains how to evaluate risk, balance liquidity with growth, and use tools like annuities, investment diversification, and strategic planning to create income that adapts over time. This conversation encourages listeners to rethink what financial stability really looks like in retirement. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here, email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Did you know most financial New Year’s resolutions don’t last past the first week of January? In this episode of the Sage Investor Podcast, certified financial planner Larry Kiser digs into why financial goals often fail—and how to break the cycle. He discusses practical steps for starting retirement planning from scratch, the emotional traps that derail financial plans, and how to balance technology like AI with the human touch in financial advice. Plus, get a clear look at upcoming tax changes for 2026 and what they mean for your future. Start your year with clarity and confidence by learning what really makes financial resolutions stick.   Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

What if the biggest obstacle to your financial future is simply not asking the right questions? In this episode of the Sage Investor Podcast, host and certified financial planner Larry Kiser breaks down the myths and fears that keep women—and many men—from meeting with a financial advisor. Discover why financial planning doesn’t have to be intimidating, how to spot red flags, and the essential questions to ask before choosing an advisor. Whether you’re just starting out or nearing retirement, this conversation empowers you to step into your financial power and make informed decisions that reflect your values and vision.   Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Did you know there are over 500 ways to claim Social Security—and your choice could shape your retirement income for decades? In this episode, Larry Kiser of Sage Wealth Design unpacks the maze of Social Security strategies, spousal benefits, and the evolving role of pensions. Learn why personal savings matter more than ever, how to navigate changing rules, and why every retirement plan needs a tailored approach. Whether you’re deciding when to claim, weighing spousal options, or planning for the unexpected, this conversation helps you make informed choices for your financial future.   Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Retirement planning isn’t one-size-fits-all—and for women, the stakes are even higher. In this episode, Larry Kiser of Sage Wealth breaks down why women face unique financial challenges, from longer lifespans and career interruptions to wage gaps and conservative investing. Discover practical strategies to close the retirement gap, maximize savings, and build confidence for the future. Whether you’re just starting out, recently widowed, or planning as a couple, this conversation offers tailored advice to help women take charge of their financial journey.   Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

What if one unexpected event could unravel your financial security? In this episode of the Sage Investor, host Larry Kiser explores the crucial steps women can take to preserve their assets and prepare for life’s surprises. From the realities of long-term care and hybrid insurance to the importance of wills, trusts, and powers of attorney, this conversation breaks down intimidating topics into practical advice. Real stories highlight why planning ahead—before a crisis hits—can ease burdens for you and your loved ones. Whether you’re single, married, or somewhere in between, this episode offers clarity on protecting what matters most. Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

What happens when life hands you the financial cockpit—and you’ve never flown the plane? In this episode of the Sage Investor podcast, financial planner Larry Kiser tackles why women must take charge of long-term investing and retirement planning. From real-life stories of sudden widowhood to practical steps for building a diversified portfolio, this conversation breaks down intimidating financial jargon and highlights the unique challenges women face. Discover why being proactive isn’t just smart—it’s essential for your future security. Whether you’re single, partnered, or somewhere in between, this episode is your wake-up call to get involved and build financial confidence.   Find out what your current position is and learn more about Sage Wealth Design’s prudent approach to helping people grow and optimize their wealth. Schedule a complimentary meeting here , email [email protected], or call 435-704-2213.See omnystudio.com/listener for privacy information.

Ever wondered how a simple budget can transform your financial future? In this episode, we dive into the 50-30-20 rule, breaking down how to allocate your income for needs, wants, and savings. Join us as we explore practical tips and real-life examples to help you build a solid financial foundation without feeling restricted. Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213. See omnystudio.com/listener for privacy information.

Ever wondered how your childhood money habits shape your financial future? Dive into the emotional baggage we all carry and discover how to rebuild your financial confidence. Join us as we unpack personal stories and expert insights to help you understand and transform your money mindset. Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213. See omnystudio.com/listener for privacy information.

Larry Kiser talks about the bold decision people make to retire – to go from accumulating to spending. Larry shares the questions he asks people about their resources and how he assesses what they have. He also discusses several ways to move money and help it grow and dives deep into how Sage Wealth Design uses modeling to see how long money may last. Larry also shares about his seminars on people controlling what they can control on April 22nd and 23rd in Henderson, NV. Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213. See omnystudio.com/listener for privacy information.

Larry Kiser discusses his path to becoming an advisor. Larry shares about his initial entrepreneurial endeavors and how advice about work ethic from a friend led him into life insurance and financial planning. He also shares why having staunch principles is a major guardrail for how he does his business and why he ventured out on his own a couple of years ago. And Larry tells about his April 22nd and 23rd dinner seminar on control in Henderson, NV. And Larry shares about how he accidentally nailed his March Madness bracket a year ago.   Do you have questions about financial planning and your retirement? Book an appointment here or set up a free complimentary call with Larry Kiser and Sage Wealth Design at 435-704-2213. See omnystudio.com/listener for privacy information.

Larry Kiser discusses pensions and how they differ from 401(k)s and other retirement plans. Larry lays out three different types of pension plans and how payments can vary. He also lays out a strategy for taking less money in a pension and more than offsetting it by the right life insurance plan. Larry also explains the importance and enjoyment he has in meeting people at dinner seminars. Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today! Call 435-704-2213 to attend one of Larry's dinner seminars on March 11th and 12th, and April 22nd and 23rd. See omnystudio.com/listener for privacy information.

Larry Kiser discusses QCDs: what they are, the types of accounts that can disperse them, and the ages that people have to make these decisions. Larry also highlights several more parameters, including the maximum amount that a QCD can be for in each year. Larry also talks about why he was rooting for the Chiefs in the Super Bowl and the grief he took for it. Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today! Call 435-704-2213 to attend one of Larry's dinner seminars on February 19th and 20th, March 11th and 12th, and April 22nd and 23rd.   See omnystudio.com/listener for privacy information.

Larry Kiser discusses some IRS rules that are changing, particularly around retirement accounts. Larry explains how those changes affect people and he defines the difference between tax preparation and tax planning. Larry also discusses his recent trip to San Antonia to see his beloved Brigham Young play in the Alamo Bowl.   Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today!See omnystudio.com/listener for privacy information.

Larry Kiser discusses the importance of sticking to principles and what exactly asset allocation is. Larry shares how asset allocation is such a large percentage of success in the market and three elements of it. Larry also shares three types of ways to diversify money. And he introduces the world to his new granddaughter Georgia. Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today!See omnystudio.com/listener for privacy information.

Larry Kiser defines what required minimum distributions are and why the government is so fervent in enforcing them. Larry has a funny saying about the IRS and shares what ages people have to start taking RMDs – and the tax implications. Larry also talks about how he thinks the Big 12 has been overlooked in college football this season. Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today!See omnystudio.com/listener for privacy information.

Larry Kiser discusses what qualified money is and what Larry thinks a good threshold is for people saving it. Larry describes the pitfalls of putting too much money on pre-tax accounts and leaving them on autopilot and the three buckets of money and what the tax implications for each are. Larry talks about his Thanksgiving travel to an oddly named Utah county. Ready to build your retirement plan? Visit https://www.sagewealthdesign.com/ to connect with Larry and his team today!See omnystudio.com/listener for privacy information.

Larry Kiser defines what qualified money and non-qualified money are and the types of accounts that align with each. Larry explains different penalties and strategies for managing both types of accounts and the catch that some people do not expect when converting accounts. Larry also discusses his Thanksgiving plans and his love for the message in George Washington’s Thanksgiving Proclamation of 1789.See omnystudio.com/listener for privacy information.

Larry Kiser talks about election angst. Larry urges listeners to stick to their principles because emotions can derail their decision-making. Larry also explains what he has seen markets do over long periods of time and he talks about his optimism and joy following Brigham Young’s football season.See omnystudio.com/listener for privacy information.

When you need someone to help plan your retirement, you don’t want to go for the novice approach. You want the guide that brings you the knowledge needed to build your future. That’s just what The Sage Investor does. Coming from the mind of Larry Kiser and Sage Wealth Design, The Sage Investor is a financial podcast with intelligence and savvy. Each week, it brings the latest market analyses, key insights into your portfolio, and experienced looks at all the factors affecting your retirement. Tune in to The Sage Investor and start getting wise to your future!   Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser. 3785624-08/24See omnystudio.com/listener for privacy information.

Larry tells his story about how he walked on to the Brigham Young football team and his children’s playing careers. He then breaks down the different mechanisms and tax strategies within the 401(k) and Roth 401 (k) retirement plans.See omnystudio.com/listener for privacy information.

Larry Kiser, Certified Financial Planner and owner and founder of Sage Wealth Design, gives his back story, including why he moved from 20-plus years in life insurance to starting his own firm. He explains the hard work becoming a CFP takes, his love for mountain biking, and why he named his firm and podcast as he did.See omnystudio.com/listener for privacy information.