Make It Personal Podcast

If your business could not run without you tomorrow, your retirement plan may be more fragile than you think. In this episode of the Make It Personal Podcast, we continue the Seven Pillars series from Profit, Protect, Prosper by breaking down retirement planning and exit planning for business owners. This conversation is for entrepreneurs, founders, and owner-operators who want more than just a someday dream. It is for people who want financial freedom, a stronger business valuation, better succession planning, and a real path toward retiring on their terms. We talk about why owner dependence lowers business value, how recurring revenue and documented systems can raise company value, and why building assets outside the business matters long before you are ready to exit.If you want to sell your business someday, step away gradually, or simply know your company can survive without you, this episode will help you think differently about business continuity, retirement readiness, and long-term personal wealth. The earlier you start planning your exit strategy, the more freedom, flexibility, and negotiating power you create for the future.You’ll Learn:→ Why a business that depends on the owner is often seen as risky by buyers and how that can affect business valuation when it is time to sell. → Why leadership depth, documented processes, and reliable recurring revenue can make your business more transferable and more valuable. → Why retirement planning for entrepreneurs should include assets outside the business, so your future is not tied to one company outcome. → What defines a successful transition, whether you plan to exit in a few years or simply want a business that can operate without you for six months.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

No one tells you this part: when the kids leave home, it’s not just the house that feels different, it’s your money. Your grocery bill drops, your calendar opens up, and suddenly the financial rules you lived by for decades don’t apply the same way. If you’re an empty nester (or about to be), this is the moment most people skip… and it can cost you years of financial momentum. In this episode of Make It Personal, we’re talking about the empty nest money shift, how your cash flow changes, why your mindset changes, and what financial freedom can look like before retirement. Because these years aren’t a financial wind-down, they’re a season of autonomy. This is where you can increase saving and investing without sacrificing lifestyle, pay down debt aggressively while still enjoying life, travel without school schedules, and start planning for legacy with clarity. If you’ve been running a family-first budget for decades, this episode will help you move from obligation to intention, and build a plan that fits who you are now. Empty nest planning, retirement planning, purposeful spending, investing strategy, and legacy planning all start here.You’ll learn:→ How the financial landscape changes when the last child leaves home and why that shift creates a rare opportunity for intentional money decisions. → How to rethink purposeful spending so you can spend without guilt while still building long-term security. → Why empty nest years aren’t just a countdown to retirement, but a powerful window to increase retirement contributions, adjust investing strategy and risk tolerance, and make smarter debt payoff moves. → We’ll also explore legacy planning in a more meaningful way, how to support adult children without creating dependency, and how to align your money with your values, impact, and the story you want your choices to tell.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Are you a small business owner who keeps saying, “I’ll pay myself later”? In this episode, we talk about how to pay yourself consistently as a small business owner without guilt, stress, or guesswork. Too many entrepreneurs pour every dollar back into the business and call it discipline, but if your business cannot pay you reliably, it may not be a sustainable business model. This episode is for business owners who want more stability, better cash flow habits, and a smarter owner compensation strategy that supports both personal finances and long-term business growth. You’ll learn why paying yourself is not selfish, how a structured owner pay system can reduce emotional decision-making, and why personal financial stability helps you lead your business with more confidence and clarity. If you have ever wondered how much to pay yourself, when to pay yourself, or whether your business is truly supporting your life, this conversation will help you rethink your approach and create a more intentional compensation plan that builds wealth inside and outside the business.Highlights:→ How inconsistent owner pay creates stress and reactive decision-making→ How setting a percentage of revenue or profit for owner compensation can create discipline→ Why paying yourself consistently improves both business clarity and personal stability→ How to stop relying on whatever money happens to be left over at the end of the month. This conversation also explores the connection between business structure, personal wealth building, and sustainable entrepreneurship for small business owners.→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy MeetingConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Cash flow is the difference between running your business with confidence and checking your bank account in panic mode every day. In this episode, we break down why revenue is vanity, profit is opinion, and cash is survival for small-business owners who want more stability, less stress, and better decision-making. If you have ever wondered why your business can look healthy on paper but still feel financially tight in real life, this conversation will help you understand the real issue. We explore how cash flow clarity gives business owners more control, more peace of mind, and more resilience when clients pay late, expenses rise, or uncertainty hits. This episode is for entrepreneurs, founders, and small-business owners who want smarter money management, stronger financial visibility, and a better way to plan ahead instead of constantly reacting. If you want to improve business cash flow, strengthen liquidity, and make more confident financial decisions, this episode is a practical place to start. It is also part of our Seven Pillars of Smart Money Management for Small-Business Owners series, designed to help you protect what you are building and lead with greater clarity.You’ll Learn:→ Why cash flow is more important than revenue when it comes to business stability and day-to-day peace of mind. → Why two businesses with the same top-line revenue can feel completely different depending on their liquidity, reserves, and visibility into upcoming cash needs. → Why a 13-week cash flow forecast is one of the most practical tools a resilient business can use to anticipate pressure early, adjust spending, manage receivables, and make smarter decisions before cash gets tight. → How weak cash flow affects your mindset, causing delayed hires, reactive decisions, and second-guessing, while strong cash flow creates confidence, flexibility, and control.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Reverse mortgages have a reputation, and not a good one. Many people believe they’re risky, predatory, or only for those in financial trouble. But is that actually true? In this episode of Make It Personal, we break down the real story behind reverse mortgages, separating fact from fiction so you can make smarter retirement decisions.If you’re a homeowner nearing retirement or already retired, your home equity may be one of your largest untapped assets. Yet it’s often ignored in retirement planning conversations. This episode explores when a reverse mortgage might actually make sense, how it compares to other strategies like HELOCs or portfolio withdrawals, and what safeguards exist today to protect borrowers.We’re joined by industry expert Chris Bruser, who shares real-life examples, common misconceptions, and practical insights to help you understand how reverse mortgages really work. This is not about selling you on a strategy, it’s about giving you the clarity and confidence to make decisions based on facts, not fear.You’ll Learn:→ You’ll learn what a reverse mortgage actually is in plain English and how it differs from a traditional mortgage. The episode covers the biggest myths, like whether the bank owns your home or if your heirs lose everything, and explains the real impact on legacy planning.→ We also dive into how reverse mortgages fit into a broader retirement income strategy, including when they may be a smart move versus when they should be avoided. You’ll hear real-world use cases, including how retirees use home equity to improve cash flow, fund healthcare, or reduce financial stress.→ Finally, we break down the process, risks, and built-in protections like HUD counseling and non-recourse features so you can evaluate this option with a clear, informed perspective.→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy MeetingConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Could one account help you save on taxes, cover healthcare costs, and support your long-term financial goals?In this episode of Make It Personal, we’re diving into the Health Savings Account, or HSA, a powerful but often misunderstood tool that can help you manage today’s healthcare costs and prepare for future ones. Whether you’ve heard the term or are already enrolled in a high-deductible health plan (HDHP), this is your guide to understanding what an HSA is, how it works, and how people typically get started.Host Mark Zagurski breaks it all down in real-life terms, from tax benefits to investment options, from eligibility to everyday use. You’ll learn the different ways an HSA can support your medical needs now, grow savings for later, and even provide flexibility in retirement.Key Takeaways:→ An HSA offers triple tax benefits: contributions may be tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are tax-free.→ Funds carry over year to year, no “use-it-or-lose-it” deadlines like other accounts.→ Some providers allow investing HSA balances once a threshold is met, potentially growing your funds over time.→ After age 65, non-medical withdrawals avoid penalties, though income tax may apply.→ To open an HSA, you must be enrolled in a qualifying HDHP, and can typically do so through an employer, a financial institution, or your insurance provider.“Healthcare choices aren’t just about premiums and deductibles, they’re about your peace of mind, your family, and your financial well-being.”🩺 Curious whether an HSA fits into your healthcare and financial strategy? Visit makeitpersonalpodcast.com to connect with a Mutual of Omaha advisor who can walk you through your options. And don’t forget to subscribe and share this episode with someone weighing their health plan choices.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the greatest threat to your retirement isn’t market loss… but rising prices over time?In today’s “You Asked” episode of Make It Personal, we dive into a smart question from listener Kurt: “Do we need to plan for inflation in retirement, even if we’ve saved well?” The answer is a resounding yes. Because when retirement lasts 20, 30, or even 40 years, inflation becomes more than a background factor, it becomes a silent force that can erode your lifestyle, dollar by dollar.We unpack why inflation matters, even at modest levels, and how small percentage increases can compound into major cost jumps over time. But don’t worry, there are proven ways to plan ahead and protect your purchasing power.From smart withdrawal strategies to growth-focused investments, and from inflation-sensitive tools like TIPS to annual plan reviews, you’ll hear how to approach inflation with clarity and confidence, so your money can keep up with the life you want to live.Key Takeaways:→ Even 3% annual inflation can double your cost of living over a 30-year retirement.→ Adjusting withdrawals annually (instead of using a flat amount) helps preserve purchasing power.→ Keeping some growth investments (like stocks or TIPS) in retirement can help outpace inflation.→ Inflation-linked tools, like certain annuities or bonds, can act as a hedge during cost spikes.→ Annual reviews and adjustments are key to staying flexible and financially secure over time.“Inflation is a quiet risk, but with the right strategy, you don’t have to let it steal your future.”📩 Have a question like Kurt’s? Email us at [email protected] and if this episode helped you think differently about your retirement strategy, subscribe, share, and connect with an advisor at makeitpersonalpodcast.com. Planning for inflation is planning for peace of mind.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if retirement wasn’t about slowing down… but stepping into something greater?In this episode of Make It Personal, we’re rewriting the retirement playbook, and flipping old assumptions on their head. Forget the outdated picture of golf carts and idle time. This is Reverse Retirement, a bold, purpose-driven approach to your post-career years, where meaning, creativity, and even new income streams take center stage.We explore how people are living longer, healthier lives, and how retirement today is less about winding down and more about relaunching. Whether it’s picking up a long-forgotten passion, starting a side venture, consulting, creating, or volunteering, this season of life can be a launchpad for joy, connection, and fresh possibilities. And yes, even financial opportunity.More than just a mindset shift, Reverse Retirement is also a strategic move. Every dollar earned in purpose-driven work is a dollar you don’t have to withdraw, meaning your portfolio lasts longer, and your options expand. It’s about doing what lights you up while keeping your future flexible.Key Takeaways:→ Reverse Retirement redefines retirement as a time for renewed purpose, creativity, and contribution.→ Pursuing passion projects or part-time income can extend your savings and energize your days.→ Social connection and mental engagement are vital, and often found through meaningful work or community.→ A “purpose week” plan can help you visualize how you’d fill your time with joy and intention.→ A thoughtful financial plan ensures your money supports the life you want, not the one tradition says you should live.“Retirement isn’t an ending, it’s an opportunity. And with the right plan, you can make it truly personal.” Inspired to rethink your next chapter? Share this episode with someone approaching retirement, subscribe for more fresh perspectives, or connect with a Mutual of Omaha advisor at makeitpersonalpodcast.com to design a Reverse Retirement that’s as bold as you are.→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy MeetingConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You’ve saved for retirement. You’ve followed the plan. But what happens if a long-term care need enters the picture, and threatens to unravel everything?In this special “You Asked” episode of Make It Personal, we’re answering a heartfelt question from listener Barb: “If we’ve done the right things and saved enough, could long-term care still drain our retirement savings?” It’s a question more and more families are asking, and one you can’t afford to ignore.We explore why long-term care costs are rising sharply, with private nursing home care topping $120,000 per year, and how those expenses can derail even the most well-funded retirement plans. But the good news? You’re not powerless. We walk through practical, real-life strategies that can help protect your financial future while still offering the care your family might one day need.From traditional long-term care insurance to hybrid options that blend protection with flexibility, this episode is about building a plan that doesn’t just assume the best, but prepares for the unexpected.Key Takeaways:→ Long-term care costs can significantly impact retirement savings, especially without a plan.→ LTC insurance can act as a safety net, helping you cover care without draining your nest egg.→ Hybrid policies (life insurance or annuities with LTC riders) offer flexible options for dual protection.→ Partial self-funding can be part of a balanced strategy, reducing the need for full insurance.→ Ongoing conversations with your spouse and advisor keep your plan current as life evolves.“Even if you’ve done everything right, a long-term care event can stretch savings fast, unless you plan ahead.”💡 Have your own question? Email us at [email protected] and don’t forget to subscribe and share this episode with someone who’s thinking ahead about their retirement future. Because peace of mind starts with a plan.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if it’s not just how much you earn in retirement, but when you earn it, that makes all the difference?In this episode of Make It Personal, we dive into a critical but often overlooked challenge in retirement planning: Sequence of Returns Risk. Through the real-life stories of Linda and James, two retirees with similar savings and returns, but drastically different outcomes, we explore how timing can either protect or derail your financial future.You’ll learn how market losses early in retirement can create long-term damage, especially when you’re drawing income and selling investments at the wrong time. That’s where Fixed Indexed Annuities (FIAs) come in, tools designed to offer growth tied to a market index while shielding against market downturns, based on contract terms.We break down how FIAs can play a key role in a “bucket strategy” for retirement, offering a stable middle ground in those vulnerable early years. You’ll also hear how optional lifetime income riders can provide predictable income when markets dip, reducing pressure and adding flexibility to your plan.Key Takeaways:→ Sequence of Returns Risk is real, poor market timing early in retirement can shrink portfolios fast.→ FIAs offer downside protection, which can help preserve your assets during market declines.→ Bucket strategies use FIAs for short-to-mid-term needs, buying time for investments to recover.→ Optional income riders can provide steady income, regardless of market performance.→ FIAs come with specific features and costs, so understanding the contract is essential.“It’s not just how much return you earn, it’s when you earn it.” Want to explore whether a Fixed Indexed Annuity fits into your retirement plan? Visit makeitpersonalpodcast.com to connect with an advisor who can walk you through your options, clearly and personally.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if your greatest financial breakthrough doesn’t start with more money, but with a better plan?In this inspiring real-life episode of Make It Personal, we meet Martin and Natascha Moore, a couple juggling work-from-home jobs, three young kids, and over $20,000 in credit card debt. Their house was tight, their budget tighter, and their dreams felt just out of reach. But with the right mindset and the right steps, they turned things around, not by winning the lottery, but by building a plan grounded in clarity, protection, and creativity.You’ll hear how this young California family took small but intentional actions to regain control of their finances. From cutting back on everyday expenses to strategically using life insurance and discovering an unexpected income stream, the Moores show us what’s possible when you stop surviving and start planning.This isn’t a story about perfection, it’s a story about progress. It’s about how the right guidance can open doors you didn’t even know were there.Key Takeaways:→ A clear roadmap, even with small steps, can reduce stress and create real momentum.→ Life insurance isn’t just protection; it can also be a long-term planning tool.→ Creative thinking, like short-term rentals, can unlock new income without major lifestyle changes.→ Consistent habits matter more than drastic overhauls.→ You don’t need a perfect financial situation, just the willingness to start.“Sometimes the solution isn’t cutting, it’s creating.” Feeling stuck or unsure where to begin? Visit makeitpersonalpodcast.com for free tools, eBooks, and a way to connect with someone who can help you start your journey, wherever you are.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of Make It Personal, we step into a unique perspective: what would I say to my 51-year-old self, not from the view of retirement, but right in the middle of the journey? If you’re in your 40s or 50s and wondering whether you’re really on track, this conversation is for you.Unlike advice from retirees looking in the rearview mirror, this episode speaks from the front lines of real life, career pressure, family responsibilities, and a future that’s still unfolding. We unpack why this decade is not just another checkpoint, but a critical opportunity to act with clarity, intention, and courage.You’ll hear practical steps for maximizing savings, planning proactively for taxes, updating insurance and estate documents, and shifting the focus from chasing "more" to defining "enough." Because at this stage, it's not about chasing perfection, it's about consistent, wise decisions while you still have levers to pull.Key Takeaways:→ Clarity replaces assumptions in your 50s, it’s time to stop thinking “someday” and start planning purposefully.→ Savings rate and automation often matter more than chasing high returns.→ Tax planning now means avoiding surprises later, Roth opportunities and account mix are key.→ Protection shifts focus, from just income to momentum, family, and long-term care needs.→ Defining “enough” on your terms guards your values from being shaped by comparison.“At 51, the most powerful advice isn’t about what you’ve already done, it’s about intentional action while choices still matter.”Want to dig deeper? Download our free eBook “THE GAME OF THE DECADE: Seven Plays for Winning the Most Important Ten Years to Retirement Success” at www.makeitpersonalpodcast.com. And if this episode hit home, subscribe, share, or start a conversation with a trusted advisor today. Your future is too important to leave to chance.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if two simple financial concepts could help you bring more clarity, coordination, and confidence to your investment strategy?In this episode of Make It Personal, we’re unpacking two often-confused, but incredibly important, terms in financial planning: asset allocation and asset location. While they may sound alike, these tools serve very different purposes. And understanding how they work together can transform the way you think about your financial future.We begin by breaking down asset allocation, the strategy of dividing your portfolio across asset types like stocks, bonds, and cash to reflect your goals and time horizon. It's not about chasing trends. It's about creating a purposeful framework that helps you stay grounded when markets shift.Then we explore asset location, the strategy of placing different investments in different types of accounts (like Roth IRAs, traditional 401(k)s, or taxable accounts) based on how each is taxed. It’s not about avoiding taxes but about using tax rules to your advantage through thoughtful planning and coordination.To make it personal, you’ll hear a real-life story about opening a Roth IRA for an 18-year-old, and how that simple act illustrates both concepts in action. The bottom line? These two strategies work best together: one tells you what you own, the other tells you where you own it.Key Takeaways:→ Asset allocation is about choosing the right mix of investments based on your goals and timeline.→ Asset location is about placing those investments in the most tax-efficient accounts.→ Both strategies aim to create clarity and discipline in your financial plan.→ Coordination across accounts becomes more valuable as your financial life grows more complex.→ A well-aligned plan considers both structure and placement to support your broader goals.“Two people can own the same investments, but where they’re held makes a big difference in how that money works over time.” If this episode helped clear up confusion or gave you something to think about, subscribe to the podcast, share it with someone you trust, or take a moment to review your own plan. It’s your money, and clarity is power.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is there a “secret weapon” for retirement income that most people overlook or misunderstand?When it comes to retirement planning, most of us think 401(k)s, IRAs, or market-based investments. But there’s a tool you’ve probably heard of, maybe even avoided, that could play a crucial role in securing your future: annuities. Are they helpful or hype? Simple or overly complex? In this episode of Make It Personal, we’re clearing up the confusion.You’ll learn what annuities really are, how they work, and why they’re so often misunderstood. With clarity and care, we’ll break down the two main types, Income Annuities and Accumulation Annuities, and help you understand when and why they might belong in a retirement strategy. Because, at their core, annuities aren’t magic, they’re contracts. And when used wisely, they can bring predictability and peace of mind to your financial future.We also bust the top three myths that scare people away from annuities and explain why they’re not a one-size-fits-all solution, but a customizable option for those who value structured income, downside protection, and tax-deferred growth.Key Takeaways:→ Annuities are contracts with insurance companies designed to provide retirement income, not investment accounts.→ There are two main categories: Income Annuities (for guaranteed income) and Accumulation Annuities (for growth and optional future income).→ Common myths, like high fees, money being locked up, or only being for retirees, don’t apply across the board.→ Annuities can complement, not replace, other retirement tools like 401(k)s or IRAs.→ Evaluating annuities with a qualified advisor helps match the right product to your personal goals and risk tolerance.“They’re not automatically good or bad, annuities are tools. And tools only make sense when matched to your goals.” If this episode brought clarity to a confusing topic, hit subscribe, share it with a friend, or take 10 minutes to reflect on your retirement goals. Your future deserves it.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Ever wonder if your employer's 401(k) match can grow tax-free like your Roth contributions? You’re not alone, and thanks to a recent law change, the answer might surprise you.In this episode of Make It Personal, we tackle a smart question from Jennifer about how employer contributions work when you’re saving into a Roth 401(k). For years, the rules were straightforward: your contributions could be Roth, but your employer's match? Always pre-tax. But with the SECURE 2.0 Act, the game has changed, and many people don’t realize what’s now possible.Key takeaways:→ Employer matches used to only go into traditional 401(k)s, now they can go into Roth if your plan allows.→ Roth matches are taxed upfront but can grow tax-free, just like your own Roth contributions.→ Many employers haven’t adopted the new option yet, it’s not automatic.→ The tax treatment of your match can have ripple effects on your future income, RMDs, and Medicare costs.→ If Roth matching isn’t available, other tools like Roth IRAs, backdoor Roths, or cash-value life insurance might help.“Retirement planning isn’t just about checking boxes in your 401(k). It’s about understanding your options, and having a strategy when the plan rules don’t give you every tool you want.”If this episode sparked questions about your own plan, hit subscribe and share this episode with a friend. And if you’re ready for a personalized review, reach out to your Mutual of Omaha advisor to design a retirement strategy that fits your future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What really happens the day after your last day of work? One retiree opens up about the surprises, joys, and real-life challenges of life after 42 years on the job.Rick gives us a deeply honest look at his first year of retirement, not the highlight-reel version, but the real one. From relearning how to structure his days to facing the emotional shift of losing his professional identity, Rick walks us through the highs, lows, and everything in between. You'll hear what surprised him financially, what kept him grounded, and the two questions he believes everyone should answer before they retire.In this episode, you'll learn:→ Why identity can be harder to let go of than the job itself→ How Rick found purpose (and 70 rounds of golf!) in the first year→ The financial mindset shift from saving to spending→ The unexpected emotional and relational impacts of retirement→ What he’d do differently, and what he’s most excited about for year two“You have to answer two questions: Have you had enough? And do you have enough?”Whether you're years away from retirement or it's right around the corner, this episode is packed with wisdom from someone who's been there.If this episode sparked something in you, share it with a friend or loved one who’s nearing retirement. Then, subscribe and leave a review, it helps others find the show and make their financial future personal.Visit www.makeitpersonalpodcast.com for tools, advisors, and more ways to plan for the retirement you actually want.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You’re helping everyone, but who’s helping you?If you’re a Gen Xer, you might feel like the glue holding it all together, launching kids, checking in on aging parents, grinding at work, and still trying to save for your own retirement. This episode dives into the invisible load so many Gen Xers carry, and what it’s costing them.In this episode of Make It Personal, we unpack the quiet sacrifices Gen Xers make in the name of love, and how those choices are impacting long-term financial health. Drawing on fresh research from LIMRA and the Alliance for Lifetime Income, we explore how caregiving, financial support for adult kids and parents, and rising healthcare costs are reshaping retirement planning for this unique generation.Key Takeaways:→ More than half of Gen Xers say supporting loved ones is cutting into their own retirement savings.→ Delaying your own financial care could mean needing help later, from the very people you’re supporting now.→ Caregiving isn’t just emotional, it’s a financial wildcard few plan for.→ Planning doesn’t erase emotion, but it does prevent panic.→ Your retirement depends more on predictability than market performance."What would it look like if I cared for myself with the same energy I give to others?"Subscribe now, and if this episode hit close to home, share it with someone walking a similar path. Then journal your own “Make It Personal” moment, what does caring for you really look like?Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

If you're in retirement, or approaching it, you know about Required Minimum Distributions (RMDs). The IRS says you have to start withdrawing money from your retirement accounts. But what if you don’t actually need the money right now? What if it feels more like a tax trap than a reward for decades of saving? You're not alone, and you’re not stuck.In this episode of Make It Personal, we tackle the often-confusing world of RMDs with a refreshing mindset shift: what if these “required” withdrawals could actually work for you? Host Mark Zagurski breaks down eight clear, actionable strategies to put your RMD money to smart, purposeful use, whether you're focused on legacy, giving, or simply staying tax-efficient.In this episode, you’ll learn how to:→ Reinvest RMDs in a taxable account to stay in control of your tax bill→ Use RMDs to fund a Roth IRA, and why that’s a legacy game-changer→ Make charitable donations that reduce your taxes and boost your impact→ Gift money in tax-smart ways to support loved ones or big milestones→ Leverage RMDs for long-term care or insurance planning with purpose“The IRS may require you to take the money out, but what you do with it is entirely your choice.”Listen now and take one small step toward a retirement that’s not just secure, but meaningful.Don’t forget to subscribe, share with a friend facing their own RMD questions, and journal one strategy that feels right for you.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Roth or traditional: how do you choose? If you've ever wondered when it's time to shift from a traditional 401(k) to a Roth, you're not alone. In this listener-led episode of Make It Personal, we tackle a smart, real-life question from Nicholle about taxes, timing, and how to plan ahead for retirement without getting stuck in a higher tax bracket down the road.In this episode, you’ll learn:→ The core difference between Roth and traditional 401(k)s→ When future taxes could outweigh today’s tax savings→ How RMD age changes impact your long-term tax planning→ Why your total income picture matters more than rules of thumb→ The value of pairing good content with personalized advice"AI can educate you. Content can guide you. But an advisor helps you apply it to your life."Got a money question? Send it in to [email protected] or comment wherever you're listening. And if you're ready to see how this applies to your future, connect with a Mutual of Omaha advisor at www.makeitpersonalpodcast.com. Don’t just learn - Make It Personal.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You planned, saved, and sacrificed for decades, so why is spending in retirement so hard?After a lifetime of discipline and diligent saving, retirement arrives… and with it, an unexpected emotional hurdle: switching from saving to spending. Not because the numbers don’t add up, but because the mindset does. In this episode of Make It Personal, we dive deep into one of retirement’s most overlooked challenges: the emotional transition from wealth-building to wealth-using.In this episode, you’ll learn:→ Why spending after decades of saving triggers anxiety, even when you’re financially prepared→ How your identity as a saver can make it hard to embrace retirement freedom→ The “battery” analogy that helps reframe the role of your savings→ Four proven strategies to move from fear to confidence→ Why purposeful spending is the next chapter of disciplined livingConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

They did it, the Bridstons paid off their home in Southern California. No loan. No mortgage. Just freedom.But what happens after the big goal is reached? In this episode of Make It Personal, we explore the surprising truth about life after paying off your house, and why the hardest (and most important) financial planning starts after the last payment.What You’ll Learn / Highlights→ Why financial freedom isn’t the same as financial finish line→ The hidden costs that remain even after your home is paid off→ The blind spots most families miss: life insurance, disability coverage, and education planning→ How to prepare for the three phases of retirement: Go-Go, Slow-Go, and No-Go years→ How to avoid sequence of returns risk and plan for sustainable retirement incomeConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the things that make us feel good right now are quietly stealing our future joy?From one-click purchases to endless scrolling, we’re surrounded by temptation, and it’s costing us more than we realize. In this episode of Make It Personal, we uncover “The Instant Gratification Trap”, and how to build real peace, patience, and purpose in a world that’s always chasing “now.”What You’ll Learn / Highlights→ Why your brain is wired to crave instant rewards (and how to retrain it)→ The real cost of “quick comfort”, in time, focus, and money→ 3 practical tools to break the cycle: The 10-Minute Rule, mindful consumption, and vision anchoring→ How to balance joy today with peace of mind tomorrow→ A healthier approach to discipline that still leaves room for funConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

If your money could work for you while you sleep, would you let it?In this episode, you’ll learn how to start investing, even if you’ve never bought a single stock or still think you’re “bad with money.” This is your beginner-friendly roadmap to build wealth confidently, one simple, personal step at a time.What You’ll Learn / Highlights→ Why saving alone rarely builds wealth, and how compounding does (investing for beginners)→ Which account to use first (401(k) match), and when to choose Roth IRA, Traditional IRA, or a brokerage→ The owner mindset vs. trader mindset—why “own great companies” wins long term→ Common rookie mistakes (chasing hot sectors) and how to avoid panic during volatilityConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Want to retire together on your timeline and still build generational wealth? This episode breaks down a real couple’s plan, cars, handbags, pension choices, and all, to show exactly what works. For professionals who earn well but want a coordinated retirement plan that actually lasts.What You’ll Learn / Highlights→ The simple math behind a 7-year retirement target, and why “savings only” falls short.→ How to shift from high-yield saving to true ownership (investing with purpose vs “dabbling”).→ The hidden risk of single-life pension choices and how to protect a younger spouse.→ Why estate documents (will/trust) are step zero for generational wealth.→ The “protection stack” that makes a plan self-completing (life, DI, LTC)Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Financial stress isn’t “just in your head”, it’s your brain doing ancient survival work in a modern money world. In this episode, biologist and author Dr. Rebecca Heiss breaks down the science of financial stress and how to retrain your mind for calmer, smarter decisions. For anyone who’s ever felt that knot-in-your-stomach money moment, this one’s for you.What You’ll Learn / Highlights→ Why your brain treats money threats like physical danger (and how to disarm it)→ The stress loop: signs you’re stuck in fight/flight with your finances—and how to break it→ Practical “retrain the brain” habits for calmer spending, saving, and investing→ How social/media comparison (FOMO + “keeping up with the Joneses”) hijacks decisions→ A simple language shift to stop “should-ing” on yourself and reduce money shame→ Why human nature is a failed investor, and how to outsmart it with process→ Dr. Heiss’s personal aha: living for today while planning for tomorrow (kids, legacy, future)If this helped you, please like, subscribe, and leave a review. It helps more people make their money, and their legacy, personal.Brought to you by Mutual of Omaha Advisors: It’s your money, your plan, your future.Connect with Dr. Rebecca Heiss:→ www.rebeccaheiss.com→ instagram.com/drrebeccaheiss→ twitter.com/drrebeccaheiss→ facebook.com/drrebeccaheiss→ linkedin.com/in/rebeccaheiss→ fearlessmasterclass.comConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

How Do Lower Interest Rates Actually Affect You?Ever heard the news say, “The Fed cut rates,” and wondered what that means for your everyday life? This episode breaks it all down, no jargon, no confusion, just real talk about how the Federal Reserve’s decisions affect your mortgage, credit cards, and even your savings account.In Episode 45 of the Make It Personal Podcast, we dive into what “Fed loosening” actually looks like on the ground. From cheaper home loans to smaller credit card bills, and yes, even changes to your rent, we’ll walk you through what to expect and how to take advantage. Whether you're buying your first home, tackling credit card debt, or trying to grow your savings, this episode helps you turn a headline into a helpful next step.Here’s what you’ll learn:→Why adjustable-rate mortgage holders should pay close attention to Fed moves→How renters might benefit in the long run when rates go down→The one downside to falling rates, and how to offset it→Three practical financial moves you can make this week→How even small rate changes can lead to big savings over time"Even a quarter-percent drop in rates could mean dinner out with the family, or a weekend getaway. That’s real money, real fast." - Mark ZagurskiReady to act? Start by reviewing your debts, comparing mortgage offers, and checking if your savings could earn more elsewhere. Then share this episode with a friend who needs to hear it. Subscribe, leave a review, and visit makeitpersonalpodcast.com for more tools to make your money, and your legacy, personal.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

What if the secret to becoming a millionaire has nothing to do with luck, and everything to do with daily, quiet decisions?Here’s the truth: most millionaires don’t look like the ones you see on social media. No flashy sports cars, no massive mansions, and no viral success stories. About 80% of millionaires are self-made, and they’ve built wealth by following simple, repeatable habits that anyone can start today.In this episode of Make It Personal, we’re diving deep into the real routines and mindsets of everyday millionaires. From driving modest cars to avoiding debt like the plague, these habits might seem boring, but they work. And the best part? You don’t need a six-figure income to get started.We’ll explore the power of small, consistent actions: budgeting that brings freedom, saving for opportunity, not just emergencies, and protecting your time like the valuable asset it is. Whether it’s starting a side hustle or reading 30 minutes each morning, these habits compound in surprising ways.5 Key Takeaways:→Wealth is built on consistency, not charisma.→Most millionaires avoid debt and live below their means.→A budget isn’t a restriction—it’s a roadmap to freedom.→Investing in yourself pays the biggest dividends.→Delayed gratification is a superpower worth mastering.“Your fortune isn’t built in a day. It’s built daily.” - Mark ZagurskiIf you’re ready to take control of your financial future, start with just one habit. And don’t do it alone, schedule a free consultation at www.makeitpersonalpodcast.com. Subscribe, leave a review, and share this episode with someone who’s ready to build a quiet legacy of wealth.Make it personal- it’s your money, your plan, your future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is your legacy something you’re building... or something you’re hoping will just happen?Most people say they want to leave a legacy. But here’s the hard truth: nearly 70% never take steps to define what that means for them, or put a plan in place to make it happen. In this episode of Make It Personal, we’re challenging the narrow idea that legacy is just about money. Because when you pause and ask, “What do I want to be remembered for?”, the answer usually isn’t a dollar amount. It’s impact.We’ll walk through real-life stories that show how ordinary people are building extraordinary legacies, from a teacher funding her favorite animal shelter, to a couple supporting their church while securing their retirement. Whether you’re mid-career, facing retirement, or simply reflecting on the next chapter of your life, this conversation will help you take meaningful steps toward a legacy that reflects your values, not just your bank account.Here’s what you’ll learn:→Why legacy isn’t just financial, it’s personal and emotional→How to identify the causes and values that define your legacy→Practical tools like Donor-Advised Funds and Charitable Remainder Trusts→How to align your estate plan with your long-term impact goals→The ripple effect of sharing your giving story with your family"Legacy isn’t just what you give, it’s what you stand for." - Mark Zagurski This week’s challenge: Take five minutes to write down one cause that speaks to your heart, and one simple way you can support it. Because your legacy starts with your next intentional step. Like what you heard? Subscribe, share, and leave a review. Then visit makeitpersonalpodcast.com to download free resources or connect with an advisor who can help you build a legacy with purpose.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

We say we want to protect our families. So why don’t we feel ready to? 9 out of 10 Americans feel a deep responsibility to protect their loved ones, but only 2 in 10 believe they’re financially prepared to do it. That disconnect is more than just a stat, it’s a wake-up call. In this episode of Make It Personal, we get honest about the gap between good intentions and real-life readiness, and how to close it, starting today.Host Mark Zagurski pulls back the curtain on Mutual of Omaha’s latest Protection Index Report, revealing what’s really holding families back from feeling secure. You’ll hear how rising costs, uncertain futures, and a lack of clear guidance are leaving millions stuck in the middle, not in crisis, but far from confident. But it doesn’t have to stay that way.Whether you’re a single parent, a retiree, or just trying to make ends meet, this episode offers hope, and practical next steps. Mark walks you through four proven actions anyone can take to shift from fear to freedom, including simple habits, honest conversations, and why it might be time to sit down with an advisor (no matter your income level).In this episode, you’ll learn:→ Why 77% of Americans feel unprepared to protect their families→ The biggest fears around medical emergencies and long-term care→ How income and gender affect financial confidence→ The “middle ground” mindset, and how to escape it→ Four next steps to start building financial peace of mind today“Intentions aren’t enough. We want to protect our families. But too many of us don’t believe we actually can, and that gap creates stress, anxiety, and inaction.” -Mark ZagurskiTake 5 minutes to visit makeitpersonalpodcast.com. Use our free Financial Fitness Calculator, download helpful resources, or connect with an advisor who gets it. And if this episode encouraged you, share it, subscribe, and help others take that first step too.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting→ ⁠Mutual of Omaha Protection Index Report --Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is your financial future safe in the hands of a robot?With all the hype around artificial intelligence, it’s tempting to think AI might soon handle everything, even your money. But can it really replace the personal insight, emotional intelligence, and deep care that a human financial advisor brings to the table?In this episode of Make It Personal, Mark Zagurski explores the limits of artificial intelligence in the world of financial planning. Yes, AI is fast, smart, and great with data. But when it comes to real-life decisions, the ones driven by fear, joy, uncertainty, and life changes, it often misses the mark. From market crashes to messy life events like divorce or inheritance planning, we unpack why human connection still matters in money management.You’ll hear how AI tools like robo-advisors can help with budgeting and investments, but also where they fall flat, especially when emotions, values, and ethical decision-making come into play. Mark even shares a behind-the-scenes reveal: much of this episode was created using AI, including his voice! Creepy? Maybe. Useful? Definitely. But as you’ll hear, the human touch is irreplaceable.Takeaways:→AI is powerful, but lacks emotional and ethical insight.→ Personal finance is more about behavior than knowledge.→ Robo-advisors serve “average” needs, not unique, complex situations.→ Human advisors can pivot, comfort, and personalize in real time.→ The future isn’t AI or humans, it’s the smart blend of both.“Personal finance is personal. It’s not just math, it’s your life.” - Mark Zagurski👉 Ready to take control of your future? Visit makeitpersonalpodcast.com to book a free consultation, access tools like the Financial Fitness Calculator, or subscribe to our monthly newsletter.  And if you found this episode helpful, don’t forget to like, subscribe, and share it with someone who needs to hear this!Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Ever wonder if the Tooth Fairy could double as a financial advisor?That first wiggly tooth isn’t just a rite of passage, it’s a golden opportunity to start teaching your kids about money. While you’re fumbling for spare change and sneaking into bedrooms by moonlight, there’s a bigger story unfolding… one that could shape your child’s relationship with money for life.In this episode of Make It Personal, host Mark Zagurski reveals how a tiny tooth, and the tradition that comes with it, can spark powerful conversations about spending, saving, and giving. From silver dollars under pillows to “Summer Deals” that challenge kids to read, solve math problems, and crush fitness goals, Mark shares how his own family turned everyday moments into lifelong money lessons.Key Takeaways:→ Make Tooth Fairy moments magical and meaningful with intentional money habits.→ Use real-life milestones as springboards for age-appropriate financial conversations.→ Start simple: Spend, Save, Give, let kids decide with low-stakes cash.→ Reinforce learning through consistent incentives and fun family challenges.→ Teach generosity early by letting kids choose their own causes to support.“It’s more than a tooth. It’s a teachable moment, a financial building block, and a sweet memory rolled into one.” - Mark Zagurski🎧 Ready to make magic and money lessons go hand in hand? Subscribe to Make It Personal, share this episode with a fellow parent, and visit www.makeitpersonalpodcast.com to take our Financial Fitness Calculator or schedule a no-obligation chat with an advisor. Your child’s financial literacy starts with moments like these, don’t miss them.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2→ Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal→ Instagram: https://www.instagram.com/makeitpersonal_podcast/→ Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB→ Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

You’ve done everything “right”, steady job, 401(k), a house, maybe even an emergency fund. So why does it feel like you’re stuck on a financial treadmill, running hard but not getting ahead? Welcome to the middle-class trap, where you're technically wealthy, but not actually free.In this eye-opening episode, host Mark Zagurski exposes the hidden tension so many middle-class earners feel: financial security on paper, but no real access to the life they imagine. He breaks down why this sense of being “wealthy and stuck” is so common, and what you can do about it.We’ll unpack the core issue: most middle-class wealth is tied up in home equity and retirement accounts, assets that aren’t liquid or easily accessible. But that doesn’t mean you’re doomed to wait until 65 to live your dreams. Mark shares practical strategies and mindset shifts that can help you unlock your options and build a life of flexibility and control, starting now.Takeaways:→ Why retirement accounts and home equity can feel like “financial jail”→ How traditional financial advice may be keeping you stuck→ Smart ways to diversify your investments for access and growth→ Legal strategies to tap into retirement funds early, like SEPPs and the Rule of 55→ The power of financial literacy and working with the right advisor“The middle-class trap isn’t just about money, it’s about mindset.” -Mark ZagurskiReady to break free? Visit www.makeitpersonalpodcast.com to use our free Financial Fitness Calculator, download helpful resources, or schedule a no-obligation conversation with one of our advisors. And don’t forget to like, subscribe, and share this episode with someone who needs to hear it.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is early retirement the ultimate freedom, or a financial mirage? We’ve all seen the highlight reels: 35-year-olds living it up on tropical beaches, posting #retiredlife on Instagram. But behind the filtered photos is a deeper question: Is early retirement everything it’s cracked up to be… or are there hidden costs that could derail your future? In this episode, we take a real-world look at the growing trend of early retirement, and what it actually takes to get there.Host Mark Zagurski breaks down the dream and the danger of walking away from full-time work decades ahead of schedule. From the financial math to the emotional realities, you’ll get an honest look at whether early retirement is a path to freedom, or a trap dressed up like a goal.Takeaways:→ Early retirement is about freedom, but freedom takes planning.→ Without a purpose, early retirees often struggle emotionally.→ Health insurance and inflation are major hidden costs of retiring young.→ You may need to save 25x your annual spending, or more, to make it work.→ A clear plan for how you'll spend your time is as important as how you'll spend your money.“Early retirement isn’t good or bad, it’s a lifestyle choice. Just make sure you’re retiring to something, not just from something.” – Mark Zagurski Feeling curious, or even a little uncertain, about what your retirement plan should look like? Visit www.makeitpersonalpodcast.com to use our free Financial Fitness Calculator, download our eBooks, or schedule a no-obligation conversation with one of our trusted advisors. Subscribe, share, and take one small step toward your future today.Make It Personal - It’s Your Money, Your Plan, Your Future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Ever wonder why you keep making the same money mistakes, even when you know better? Why saving feels so hard, spending feels so easy, and your paycheck seems to disappear without a trace? In this episode, we’re digging deep into the surprising science of why we make bad financial decisions, and how to stop.Our brains weren’t built for modern money. They were designed for survival, not savings accounts. And in a world of one-click purchases, dopamine hits, and endless comparison, it’s no wonder we often sabotage our own financial goals. Host Mark Zagurski breaks down the field of behavioral finance to help you see your money habits through a whole new lens.From emotional spending to herd behavior and mental accounting, we explore the real psychological traps that hold people back, and, more importantly, what you can do to break free. Packed with relatable examples, practical hacks, and honest insights, this episode will help you understand your brain, take back control, and make smarter money moves, starting today.In this episode, you’ll learn:→ Why your brain prefers instant gratification over long-term gain→ The top 4 psychological traps that sabotage your finances→ Why automating good habits beats relying on willpower→ How to use “friction” to stop impulse spending→ A simple journaling trick to uncover emotional spending triggers“We don’t make bad money moves because we’re dumb. We make them because we’re human.”🎯 Your next step: Visit www.makeitpersonalpodcast.com to download free resources, check your Financial Fitness Score, or schedule a no-obligation consultation with a financial advisor. And don’t forget to like, subscribe, and share this episode with someone who needs to hear it.Make It Personal - It’s Your Money, Your Plan, Your Future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Are you navigating your finances without a map? For many, the path to retirement feels like a maze, filled with confusing options, emotional decisions, and the constant fear of falling behind. In our final episode of the “Game of the Decade” mini-series, we unpack Play #7: Finding a Financial Coach to Help You Plan in Decades, and show why this step may be your most important move yet.Host Mark Zagurski, Director of Strategy and Communication at Mutual of Omaha Advisors, tackles the misconception that financial coaching is just for the wealthy. In reality, a trusted coach could be the missing link between where you are now and the confident, purpose-filled retirement you envision. If you’ve ever felt uncertain about your next financial step, this episode is for you.Key Takeaways:→ A financial coach provides the accountability and education most people were never taught.→ Coaching helps align your habits with your long-term vision, without shame or blame.→ Retirement is made of decades, not just one moment, plan accordingly.→ Your emotions and mindset matter just as much as your math.→ The right advisor-coach can walk with you through every life and financial transition.“It’s one thing to have a plan, it’s another to stick with it.” - Mark ZagurskiWant to take the next step? Download the free “Game of the Decade” eBook at makeitpersonalpodcast.com, and schedule a no-obligation chat with an advisor who can help you build a plan tailored to your future.Subscribe, share this episode, and take a few minutes to journal about your retirement fears and goals. Make it personal, because it’s your money, your plan, your future.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Retirement isn't just about the money, it's also about managing the health challenges that come with aging. And if you’re not prepared, healthcare costs can sneak up and derail your financial plans. So the real question is: do you have a strategy for healthcare in retirement?In this episode of Make It Personal, Mark Zagurski walks you through Play #6: Planning for Healthcare in Retirement, a crucial move in the “Game of the Decade” series. From understanding Medicare basics to preparing for long-term care, this episode unpacks how to build a solid defense against rising healthcare costs in your golden years. You'll also get a lighthearted intro to IRMAA, the Medicare premium penalty you probably didn’t see coming.Whether you’re 5 or 10 years out from retirement, this episode will help you ask the right questions and begin shaping a personalized plan that protects both your health and your wealth.What you'll learn in this episode:→ The difference between Medicare Part A, B, Supplement (Medigap), and Advantage plans→ Why IRMAA can increase your Medicare premiums, and how to plan ahead→ How long-term care insurance fits into a retirement healthcare strategy→ The pros and cons of hybrid vs. standalone long-term care policies→ Why starting early gives you more affordable, flexible options“If you want your plan to be personal, it has to be tailored to you.” - Mark ZagurskiReady to take control of your healthcare future? Download our free eBook and schedule a no-obligation conversation with an advisor at makeitpersonalpodcast.com. Don’t forget to subscribe, share, and revisit Episode 28 for more on long-term care planning.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

More and more Americans are asking a game-changing question: What if I don’t want to wait until 65 to retire? In today`s episode of Make It Personal, we tackle the bold and often misunderstood concept of early retirement, not as an escape, but as a purposeful pivot toward “time freedom.”What happens when retirement comes earlier than expected, whether by choice or circumstance? Mark Zagurski dives into Play #5 from The Game of the Decade e-book. You’ll learn how to rethink your retirement timeline, explore strategies for tapping into retirement funds early without penalties, and discover how part-time work could be the secret weapon to living the retirement life you truly want.Whether you're exploring FIRE (Financial Independence, Retire Early), intrigued by flexible withdrawal strategies like the Rule of 55 or IRS Section 72(t), or simply wondering how you’ll fill your time post-career, this episode delivers clear insights and practical tools to build a retirement plan that’s actually yours.In this episode, you’ll learn:→ Why 6 in 10 people retire earlier than expected, and how to plan for it→ How to use the Rule of 55 and Section 72(t) for early, penalty-free withdrawals→ The surprising math behind part-time income and retirement savings→ What “Barista FIRE” really means, and why it’s more achievable than you think→ Why personal finance strategies like permanent life insurance can fuel your pivot to freedom“Early retirement isn’t just for the lucky or the ultra-wealthy, it’s possible with the right plan.” - Mark ZagurskiDownload our free eBook The Game of the Decade at www.makeitpersonalpodcast.com and schedule your free consultation. Like, subscribe, and share this episode with someone who’s dreaming of more freedom, sooner.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Is there really a “right age” to claim Social Security?It’s one of the biggest decisions you’ll make as you approach retirement, and one of the easiest to get wrong. Play #4 in our “Game of the Decade” series zooms in on how to optimize your Social Security benefits and why this move could make or break your financial security in retirement.In this episode, Mark Zagurski, Director of Strategy and Communication for Mutual of Omaha Advisors, unpacks the myths, numbers, and hidden factors behind Social Security timing. You’ll learn why there’s no one-size-fits-all answer, and why trusting a break-even calculator or viral YouTube video might lead you down the wrong path. Whether you’re nearing 62, still a decade away, or helping a loved one plan, this episode is packed with clarity and guidance.We’ll walk through:→ The truth behind “full retirement age” and the 8% annual growth after it→ What a break-even calculator really tells you (and what it doesn’t)→ How your life expectancy and career passion shape your best claiming age→ The financial ripple effect of your decision on your spouse→ Why planning your Social Security strategy isn’t just smart, it’s essential“There is no ‘best age’, only the best age for you.” – Mark ZagurskiTake the next step: Download our free eBook “The Game of the Decade” at makeitpersonalpodcast.com, and while you're there, schedule a no-obligation conversation with one of our advisors. Like, subscribe, and share this episode with someone you care about.Make It Personal—It’s Your Money, It’s Your Plan, It’s Your Future!Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode, Mark Zagurski tackles Play #3 of the Seven Plays series: mastering the do’s and don’ts of retirement taxes. Taxes can be one of the biggest expenses in retirement, especially with pre-tax accounts like 401(k)s and IRAs. Mark explains the importance of asset location, strategically choosing taxable, tax-deferred, and tax-free accounts to minimize tax liability. He debunks the myth of a flat 30% tax rate, illustrating how progressive tax brackets and effective tax rates work, and shares strategies for diversifying your portfolio across account types for flexibility and control.You’ll learn:→ Why asset location is critical for minimizing retirement taxes.→ The differences between taxable, tax-deferred, and tax-free accounts.→ How progressive tax brackets affect your actual tax burden.→ The benefits of Roth IRAs and cash value life insurance for tax-free growth.→ Why working with a financial advisor and tax professional is essential for tax planning.“A diversified portfolio across types of accounts can keep your retirement income steady while allowing you to easily handle payments to the IRS.” - Mark ZagurskiTake control of your retirement taxes! Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor today.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Mark Zagurski explores Play #2 of the Seven Plays series: determining how much money you need in retirement. He challenges the conventional rule of thumb of replacing 70-80% of pre-retirement income, citing Morningstar research showing replacement rates vary from 54% to 87% based on lifestyle and expenses. Mark discusses the “go-go,” “slow-go,” and “no-go” phases of retirement and how expenses like healthcare and travel can shift over time. He emphasizes the need for a personalized plan to account for Social Security, retirement accounts, and personal savings.You’ll learn:→ Why retirement income needs vary widely based on lifestyle and circumstances.→ The three phases of retirement and their impact on spending.→ How Social Security, retirement accounts, and savings form your income foundation.→ Why generic rules of thumb fall short in retirement planning.→ The importance of tailoring your plan to your specific expenses and goals.“In retirement, every day is essentially a Saturday. Don’t think of retirement as a simple accumulation goal for only paying your bills or expenses.” - Mark ZagurskiStart planning your retirement income now at www.makeitpersonalpodcast.com. Download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode, Mark Zagurski dives into Play #1 of the Seven Plays series: maximizing the five years before and after retirement, dubbed the "Game of the Decade." He explains the shift from the accumulation phase (saving and investing) to the distribution phase (generating income) and the challenges of modern retirement, including longer life expectancies and the decline of pensions. Mark highlights key pre-retirement steps like building an emergency fund and maximizing savings, and post-retirement strategies like managing withdrawals and sequence of returns risk to ensure your money lasts.You’ll learn:→ Why the ten years around retirement are critical for financial success.→ Key steps to take in the five years before retirement, like estate planning and insurance.→ How to transition to a “spender” mindset in the first five years of retirement.→ What sequence of returns risk is and how to mitigate it.→ The value of working with an advisor to navigate these critical years.“In the simplest terms, one of the most essential financial issues in retirement is: will our money outlive us, or will we outlive our money?” - Mark ZagurskiReady to maximize your retirement? Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Mark Zagurski introduces the eBook The Game of the Decade: Seven Plays for Winning the Most Important Ten Years to Retirement Success, targeting pre-retirees who need a personalized action plan. He outlines the seven plays: maximizing the five years before and after retirement, determining retirement income needs, managing taxes, optimizing Social Security, planning for early retirement, addressing healthcare, and finding a financial coach. Mark emphasizes that modern retirement planning is more complex than in past generations, requiring tailored strategies to navigate longer life expectancies and declining pensions.You’ll learn:→ The seven key strategies for a successful retirement.→ Why the ten years surrounding retirement are critical for financial security.→ How modern retirement differs from past generations due to longer lifespans and rising costs.→ The importance of a personalized plan for pre-retirees.→ How a financial advisor can help you achieve your retirement goals.“The thing about personal finance is... well, it’s personal. If you want your plan to be personal, it has to be tailored to you.” - Mark ZagurskiDownload the free eBook at www.makeitpersonalpodcast.com and schedule a no-obligation consultation with a Mutual of Omaha advisor to start planning your retirement today.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode, Mark Zagurski shares a personal story about his grandmother to underscore the importance of planning for long-term care, which 70% of 65-year-olds will need. He outlines four options to manage these costs: paying out of pocket, long-term care insurance, hybrid policies combining life insurance or annuities, and deferred income annuities like QLACs. Mark explains how each option works, their benefits, and their trade-offs, emphasizing that Medicare doesn’t cover extended care and Medicaid has strict eligibility. He stresses the emotional and financial toll on families and the need for proactive planning.You’ll learn:→ The four main options for funding long-term care and their pros and cons.→ Why long-term care insurance can preserve assets for heirs.→ How hybrid policies offer flexibility for those hesitant to buy standalone coverage.→ The role of deferred income annuities in covering care costs later in life.→ The importance of planning to protect your family from the burden of caregiving.“Long-term care doesn’t just affect an individual; it impacts their entire family.” - Mark ZagurskiReady to plan for long-term care? Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

Mark Zagurski, a proud Gen Xer, dives into the four critical ages for Generation X (born 1965–1980) in retirement planning: 50, 59½, 62, and 73. As Gen Xers juggle peak earning years with expenses like mortgages and kids’ education, Mark highlights the importance of these milestones. At 50, catch-up contributions allow for boosted retirement savings. At 59½, penalty-free access to retirement funds begins. Age 62 marks eligibility for Social Security, though early claiming reduces benefits. Finally, at 73, required minimum distributions (RMDs) kick in for tax-deferred accounts. Mark emphasizes personalized planning to navigate these milestones effectively.You’ll learn:→ How catch-up contributions at age 50 can accelerate retirement savings.→ Why age 59½ offers greater flexibility for accessing retirement funds.→ The trade-offs of claiming Social Security at age 62 versus waiting.→ How RMDs at age 73 impact tax-deferred accounts and planning.→ Why Gen Xers need a tailored retirement strategy to balance competing financial demands.“When it comes to retirement, it doesn’t matter where you started, all that matters is where you finish.” - Mark ZagurskiAre you a Gen Xer ready to plan for these milestones? Visit www.makeitpersonalpodcast.com to download our eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode, Mark Zagurski tackles the hotly debated question: should you pay off your mortgage before retirement? With nearly 20% of homes in major U.S. metros owned by people 65 and older still carrying mortgages, this decision carries significant financial and emotional weight. Mark breaks down four reasons to pay off your mortgage, peace of mind, lower expenses, interest savings, and housing security, and four reasons to keep it, including low interest rates, liquidity needs, opportunity costs, and tax deductions. He also explores how home equity, a major component of net worth for retirees, can be leveraged through options like reverse mortgages to generate income in retirement.You’ll learn:→ The pros and cons of paying off your mortgage before retirement.→ How home equity fits into your overall retirement strategy.→ The role of reverse mortgages in accessing cash flow without monthly payments.→ Why personal finance decisions, like mortgage payoff, must be tailored to your situation.→ The importance of considering opportunity costs in your financial planning.“The home is a large asset and needs to be considered as part of total wealth and as a possible asset to generate retirement income.” - Mark ZagurskiReady to explore how your home fits into your retirement plan? Head to www.makeitpersonalpodcast.com to download our eBook and connect with a Mutual of Omaha advisor for a no-obligation consultation.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of the Make It Personal Podcast, Mark Zagurski explores two time-tested strategies, life insurance and annuities, that act as a form of “crowdfunding” to secure your financial future and that of your family. While modern crowdfunding platforms like GoFundMe have become popular for addressing unexpected expenses, Mark explains why relying on them for critical needs, like funeral costs, is less secure than planning ahead with insurance products. He traces the historical roots of risk pooling back to Ancient Greece and Rome, showing how life insurance and annuities leverage the law of large numbers to provide guaranteed financial protection. Mark emphasizes the certainty and peace of mind these tools offer compared to the uncertainty of crowdfunding campaigns.You’ll learn:→ The historical origins of crowdfunding and how life insurance and annuities share similar principles.→ How life insurance ensures financial security for your loved ones.→ How annuities provide a reliable income stream for retirement.→ Why crowdfunding is not a substitute for a disciplined financial plan.→ The importance of working with a financial advisor to tailor a strategy to your needs.“With life insurance, you know with certainty that if the unexpected happens, your loved ones will be financially secure.” - Mark ZagurskiWant a personalized plan to secure your family’s future? Visit www.makeitpersonalpodcast.com to download our free eBook and schedule a no-obligation consultation with a Mutual of Omaha advisor today.Connect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of the Make It Personal Podcast, host Mark Zagurski tackles one of the most common, and important, questions people ask: Do I really need a financial advisor? With so much financial content flooding the internet, from talking heads to self-proclaimed “gurus”, it’s hard to know what’s credible and what’s truly in your best interest. Mark offers an honest, inside look at what a trusted financial advisor really does, how they add value beyond just buying investments, and why personalized advice outshines generic online tips every time.Drawing from over 30 years of experience, and sharing wisdom from top advisor Marty Higgins, Mark explores the key differences between buying financial “products” and building a strategic, long-term plan. He walks through the real-life benefits of working with a professional, from creating holistic financial roadmaps to ensuring plans stay on track through life’s inevitable twists and turns. This episode also addresses common objections, like whether paying a 1% fee is worth it, and sheds light on the true cost (and risk) of a DIY financial approach.Key takeaways:→ A financial advisor’s real value is personalized guidance, not just buying investments.→ Paying a 1% fee may not make sense for simple tasks, but it can be well worth it for comprehensive planning and behavioral coaching.→ Good advisors add value through tax strategies, estate planning, risk management, and by keeping your plan on track when emotions run high.→ Personalized advice helps avoid costly mistakes and ensures your plan is self-completing, designed to work even if life throws you unexpected curveballs.→ Financial planning is not a one-time task; it requires regular updates, strategic adjustments, and a partner who understands your unique goals.Thinking about whether professional financial advice is right for you? Visit www.makeitpersonalpodcast.com to connect with one of our expert advisors for a no-obligation consultation, download our free eBook, or subscribe to our monthly newsletter. Your future deserves a personal touch!“Good advice is never free, but bad advice can cost you everything.” - Mark ZagurskiConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of the Make It Personal Podcast, host Mark Zagurski tackles one of the most overlooked yet critical components of financial planning: assumptions. Every solid financial plan relies on a mix of facts, like your age and income, and assumptions, such as how long you’ll live, what inflation will look like, and most importantly, your expected rate of return. But what happens when those assumptions don’t align with reality?Mark dives into the crucial distinction between average and actual rates of return, showing how misleading averages can distort your financial picture. Using simple, relatable examples, including a breakdown of the S&P 500’s performance over 30 years, Mark explains how sequence of returns and real-world market behavior can significantly impact your savings and retirement outcomes.Whether you're accumulating wealth or planning retirement withdrawals, understanding the true nature of investment returns is vital. This episode underscores the importance of keeping your plan updated and partnering with a trusted advisor who can adjust your strategy as life and the market evolve.Key takeaways:→ Every financial plan is built on facts and assumptions, both need regular review.→ Average rate of return and actual return are not the same and can lead to very different outcomes.→ The S&P 500’s long-term average of 10.59% translated to a real return closer to 8.97% over 30 years.→ Overestimating returns during retirement can cause you to outlive your money.→ Ongoing plan reviews, and realistic assumptions, improve your chances of meeting long-term goals.Want to ensure your financial assumptions are on track? Visit www.makeitpersonalpodcast.com to download our free eBook or connect with one of our expert advisors for a no-obligation consultation. Make your financial plan personal, and powerful!“The average return might sound impressive, but it’s the actual return that tells the real story.” - Mark ZagurskiConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting --Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of the Make It Personal Podcast, host Mark Zagurski takes a lighthearted but impactful look at a growing financial trap many of us fall into: subscription creep. With humor, a nod to classic Gen X TV, and real-world data, Mark explores how small, recurring charges, whether for streaming services, news sites, or monthly deliveries, quietly drain your wallet over time. According to recent studies, the average American spends over $200 a month on subscriptions, often underestimating by $100 or more.Mark connects this to the broader theme of personal finance, reminding listeners that financial discipline starts with awareness. He shares simple, actionable strategies for auditing your subscriptions, canceling unused services, and reallocating that money toward your long-term goals. Highlighting insights from Dr. Benjamin Hardy’s Be Your Future Self Now and Atomic Habits by James Clear, Mark emphasizes that small daily decisions, like canceling an unused $10 subscription, can snowball into significant financial gains.Key takeaways:→ Subscription creep is a real financial drain, most people underestimate what they’re spending by a wide margin.→ Averages show Americans spend $219/month on subscriptions; small changes can add up to big savings.→ Regularly auditing your subscriptions can free up funds for saving, investing, or paying down debt.→ Apps like Rocket Money can help identify hidden subscriptions (though manual reviews are still key).→ The principle of “1% better every day” applies: simple steps like swapping out a daily coffee purchase can build long-term wealth.→ Canceling unused subscriptions and redirecting those savings can be a simple first step toward achieving your bigger financial goals.Ready to tighten up your finances? Download our free eBook or schedule a no-obligation consultation at www.makeitpersonalpodcast.com. Don’t just let small leaks sink your financial ship—make it personal!“The subscription economy thrives on convenience—but convenience without awareness can cost you.” - Mark ZagurskiConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

In this episode of the Make It Personal Podcast, host Mark Zagurski tackles one of the most confusing and critical aspects of retirement: planning for healthcare. With nearly 99% of retirees age 65 and older qualifying for Medicare, understanding your options is essential for safeguarding your financial and physical well-being in retirement. Mark breaks down the differences between Medicare Supplement and Medicare Advantage, helping listeners evaluate the complexities of coverage, costs, and provider choice.Drawing from Mutual of Omaha’s nearly 60 years of experience with Medicare, Mark outlines the key factors that determine which plan is right for you, from network flexibility to out-of-pocket costs. Listeners will also learn about the six simple questions Mutual of Omaha advisors ask to tailor a Medicare solution that fits each person’s unique lifestyle, health needs, and budget.Key takeaways:→ Medicare Supplement vs. Medicare Advantage: what they are and how they differ.→ Why your choice of doctors, travel habits, and health needs matter when selecting a plan.→ How premiums, out-of-pocket costs, and provider networks factor into your decision.→ Why it’s important to plan ahead to avoid unexpected health costs that can drain retirement savings.→ How Mutual of Omaha’s advisors use six key questions to guide you toward a personalized healthcare strategy.If you’re nearing retirement or already enrolled in Medicare and feeling uncertain about your healthcare coverage, this episode offers clarity and actionable steps. Visit www.makeitpersonalpodcast.com to schedule a no-obligation consultation or download helpful resources. Don’t leave your healthcare—and your financial future—to chance. Make it personal!“The right Medicare plan for you depends on your doctors, your travel habits, and your comfort with risk.” - Mark ZagurskiConnect with Mutual of Omaha Advisors through the following links:→ Download The Game of the Decade eBook→ Download the Seven Principles eBook→ Instagram→ Facebook - Mutual of Omaha Advisors→ Sign Up For a Free Financial Strategy Meeting--Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.