Regarding Retirement

Even with solid savings, many retirees worry more about running out of money than enjoying what they’ve built. In this episode of Regarding Retirement, financial planner Neil Henry tackles the fear that quietly follows many retirees into their next chapter. The conversation explores why anxiety persists regardless of net worth, how establishing clear income “knowns” can ease uncertainty, and the role Social Security timing, taxes, inflation, and long‑term care planning play in shaping confidence. Neil also explains why retirement isn’t a one‑time decision, but an ongoing process that benefits from flexibility, adjustments, and thoughtful planning over time. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

A new government‑backed savings program for kids is generating buzz—and plenty of questions from parents and grandparents. In this episode, host Neil Henry, financial planner and founder of Henry and Associates, breaks down what we currently know about the new “Trump Accounts for Kids.” He discusses who qualifies, how the accounts may be funded, how they compare to 529 plans, and the potential guardrails around how and when the money can be used. Neil also shares important considerations families should keep in mind as details continue to unfold, including parental involvement, investment options, and long‑term planning implications. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

What if a few overlooked tax details could quietly impact your retirement income this year? In this episode, host Neil Henry, financial planner and founder of Henry and Associates in Charleston, South Carolina, breaks down a practical tax‑season checklist for retirees and pre‑retirees. He discusses recent tax law changes affecting Social Security, higher standard deductions for retirees, and why tax planning looks very different from tax filing. Neil also highlights common items people forget to bring to their CPA, plus considerations around Roth conversions in today’s tax environment. A timely conversation designed to help listeners head into tax season better prepared and informed Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Annuities are widely used — yet often misunderstood. In this episode of Regarding Retirement, financial planner Neil Henry breaks down why annuities generate so much confusion and how different types serve very different purposes. The conversation explores fixed, indexed, and variable annuities, common misconceptions fueled by media coverage, and why liquidity, fees, and income structure matter. Neil also discusses how annuities may be positioned within a broader retirement income plan, especially when balancing market risk, interest rates, and long‑term income needs. This episode focuses on understanding the tool itself — without lumping every annuity into the same category. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Your retirement fears may have less to do with markets — and more to do with your past. In this episode, financial advisor Neil Henry explores how emotional “money baggage” shapes retirement decisions, from childhood beliefs to lived experiences like market downturns and income loss. The conversation looks at how fear, control, and uncertainty often surface as people transition from saving to living on their money. Neil also discusses how understanding spending habits, budgeting, income sources, and long‑term planning can bring clarity during volatile times. This episode highlights the emotional side of retirement and why addressing mindset is just as important as addressing the numbers Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Preparing for major health and long‑term care costs becomes unavoidable as retirement approaches, and this episode digs into what those realities truly look like. Neil Henry explores the rising expenses tied to Medicare, supplements, prescriptions, and the long‑term care needs many retirees eventually encounter. He shares real‑life examples, breaks down average cost expectations, and discusses why early planning helps retirees face unpredictable medical expenses with greater clarity. From understanding healthcare budgets to navigating long‑term care risks, this conversation offers insight into the financial pressures that shape retirement and the factors every retiree should consider while mapping out future needs. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Big tax shifts are landing in 2026, and they could reshape how retirees manage income, investments, and long‑term planning. In this episode, financial advisor Neil Henry breaks down the new standard deduction amounts, updated tax brackets, and what seniors should understand about RMDs as withdrawal percentages rise with age. He also sheds light on capital gains thresholds and why today’s lower tax environment may offer strategic opportunities. This conversation lays out what’s changing and how retirees can stay prepared as the rules evolve. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Trillions are changing hands in the greatest wealth transfer of our time, and women are set to inherit nearly 70% of it. But with new opportunities come unique challenges—especially for those suddenly thrust into financial decision-making. In this episode, financial planner Neil Henry explores how women can confidently navigate inheritance, longevity, and retirement planning. Learn why 80% of widows switch advisors, what questions every woman should ask, and how to take control of your financial future—no matter your starting point. Tune in for candid advice and empowering insights.   Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Ever tried to save money, only to spend more than you planned? Discover the sneaky world of “spaving”—and how these habits could quietly sabotage your retirement. Host and financial planner Neil Henry unpacks hidden fees, budgeting myths, and why relying on Uncle Ed’s advice might leave you short. Learn how a personalized financial plan can turn budgeting from a dreaded chore into a source of freedom and confidence, ensuring your money lasts as long as you do. Ready to rethink your retirement strategy? Tune in for practical insights and a fresh perspective.   Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or atSee omnystudio.com/listener for privacy information.

What drives a financial planner to help others live to 100? In this episode, Neil Henry shares the story behind Henry & Associates, his passion for serving Charleston’s retirees, and the wisdom gained from decades of guiding clients through life’s biggest transitions. Discover how Neil’s personal journey shapes his approach, why community matters, and the advice he wishes everyone knew about preparing for retirement. From memorable client stories to the importance of building financial confidence, Neil reveals what makes Regarding Retirement more than just a podcast—it’s a roadmap for living well.   Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Are you ready to make the most of Medicare Open Enrollment? In this episode, Neil Henry shares decades of experience guiding retirees through the maze of Medicare choices, from Parts A, B, and D to Medigap and Advantage plans. Discover the most important decisions for newcomers, common mistakes to avoid, and how to review your coverage as your health needs change. Neil breaks down complex rules, offers practical advice, and explains what’s new this year—so you can feel confident about your healthcare and your future. Tune in for clear answers and expert insights from beautiful Charleston, South Carolina.   Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.netSee omnystudio.com/listener for privacy information.

Neil Henry talks about long-term care and how people often underestimate its cost. He shares stats of how many people need LTC (and how this is sometimes temporary) and what the different types are. Neil also compares the rough costs of the different phases of that care and shares a story about how a person with proper coverage saved themselves tens of thousands of dollars. Neil also talks about the preferred type of coverage and how standalone long-term care insurance can end up extremely costly. And he shares about his love for the mountains of Virginia and what he does in his cabin there. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net.See omnystudio.com/listener for privacy information.

Neil Henry discusses Medicare and explains the age that most people are eligible for it and how long before then that they should apply for the coverage. He also shares what Plan A & B plans are, what Medicare Advantage is, and what other costs people need to plan for. Neil also discusses what he sees as some good political news that is also shaping the market. Schedule your complimentary consultation with Henry and Associates and chart that plan for living to 100 at 843-762-6781 or at HenryAndAssociates.net.See omnystudio.com/listener for privacy information.

Neil Henry discusses how inflation can wreck retirement income, if people are not careful. He emphasizes the importance of making a plan and how he factors in certain increases over time, so people can have a plan for money to outlive them. Neil also talks about using annuities and other tools to dispense this income and also how taxes can really bit people if they do not plan for them. Schedule a complimentary consultation to work on a plan to help secure your financial future. Call Henry and Associates at 843-762-6781 or go to HenryAndAssociates.net.See omnystudio.com/listener for privacy information.

Neil Henry returns to talk about something that has become a bigger staple in retirement portfolios: annuities. Neil explains the different kind of annuities and how certain kinds have given all of them bad names. Neil describes how to build a retirement income plan and why annuities have gotten more popular in recent years. Schedule a complimentary consultation to work on a plan to help secure your financial future. Call Henry and Associates at 843-762-6781 or go to HenryAndAssociates.net.See omnystudio.com/listener for privacy information.

Neil Henry breaks down Medicare for listeners and talks about plans A, B, C, and D and what  Medigap and Medicare Supplement Insurance are. Neil also gives the pros and cons of the Medicare Advantage Plan and some examples of how that can work against a person's best interests. He talks about his holiday plans and if he likes to sail his boat in cold weather.  Ready to connect with Neil? Visit his website today!See omnystudio.com/listener for privacy information.

Neil Henry discusses the results of the presidential election and how Trump's victory will affect any current or future tax cuts. Neil also talks about wonky job numbers, future government job cuts, and how all of that can affect the economy. Ready to connect with Neil? Visit his website today!See omnystudio.com/listener for privacy information.

Henry and Associates founder and financial planner Neil Henry discusses what RMDs are and how both they and their tax implications can surprise people. Neil breaks down the method he uses to prepare clients for this and which retirement accounts RMDs impact. He also describes his love for sailing and the big steps he took to protect his sailboat before Hurricane Helene struck South Carolina. Ready to connect with Neil? Visit his website today!See omnystudio.com/listener for privacy information.

Neil shares his insights on how inflation affects retirement planning and what strategies can help retirees cope with rising prices. He explains why fixed rate annuities are an attractive option for retirees who want to lock in high interest rates and secure a steady income for life. He also discusses how annuities can diversify one's portfolio and reduce exposure to market volatility and tax liabilities. Neil also cautions retirees against underestimating the impact of inflation on their purchasing power and quality of life. He emphasizes the need to plan ahead and hedge against inflation by choosing retirement products that can adjust to changing economic conditions. He offers some tips on how to evaluate different annuities and find the best fit for one's goals and risk tolerance.See omnystudio.com/listener for privacy information.

The conversation discusses the impact of taxes on retirement planning and starts with a discussion about whether American athletes have to pay taxes on the medals they win at the Olympics. The conversation then delves into various forms of income that can be taxed during retirement, such as Social Security, interest-bearing accounts, sales of stocks and bonds, and withdrawals from traditional IRAs and 401(k)s. The importance of considering inflation and the timing of Social Security benefits is also highlighted.See omnystudio.com/listener for privacy information.

Everyone dreams of retirement, but all the perks and daily activities of the lifestyle still require funding, which means you’ll have to provide your own paychecks in your golden years. That’s where “Regarding Retirement” steps in. Hosted by Neil Henry of Henry and Associates, this podcast offers a steady and timely stream of advice and insight focused on how you are approaching saving for (and spending throughout) your retirement years. Subscribe and listen as Neil provides important information in an easy-to-digest manner that will give a better understanding of how prepared you are to make your next years the best yet.See omnystudio.com/listener for privacy information.