Vision Wealth: A New View on Retirement

What if your retirement money looks like it’s yours—until the fine print says otherwise?In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith explore the often‑overlooked rules attached to retirement accounts, taxes, and DIY financial strategies. Using a fun Oscars analogy, they unpack why “owning” your money isn’t always as straightforward as it seems, where well‑intentioned do‑it‑yourself planning can go wrong, and how missed tax strategies can quietly cost families over time. The conversation highlights the importance of knowing your limits, understanding nuance, and planning ahead before major financial decisions are locked in. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Inflation shows up everywhere—from the grocery store to retirement planning—and it’s quietly reshaping how people make financial decisions. In this episode, Ben and Megan Smith of Vision Wealth have a candid, relatable conversation about what inflation really means for everyday life and long‑term planning. They explore how rising costs affect saving, spending, investing, income in retirement, and lifestyle choices, while also touching on interest rates, delayed gratification, and the balance between enjoying life today and planning for tomorrow. Along the way, they highlight why perspective, priorities, and intentional decisions matter more than chasing numbers in an inflationary world. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Some opportunities only come around for a short time—and in retirement planning, missing them can be costly. In this episode, Ben and Megan Smith of Vision Wealth explore the “windows of opportunity” that can shape your retirement outcome. Using a surprisingly relatable analogy, the conversation unpacks key timing moments around taxes, selling highly appreciated assets, Medicare-related income thresholds, Social Security decisions, required minimum distributions, and other age-based milestones. Along the way, they discuss why avoiding these conversations can quietly close doors—and how understanding timing, not just strategy, can make a meaningful difference in long-term planning. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What if ethical decision‑making was the real advantage in retirement planning? In part two of this conversation, Ben and Megan Smith of VisionWealth examine informed consent, integrity, and the responsibility advisors carry when guiding life‑shaping financial decisions. They unpack how compliance, communication, and client dignity intersect, why clarity often requires discomfort, and how trust is built through transparency—not pressure. Drawing parallels to medicine and real‑world experience, Ben and Megan share what it looks like to protect integrity even when it means walking away from revenue. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What if the real strategy in business isn’t persuasion—but stewardship? In this episode, Ben and Megan Smith of VisionWealth explore how durable decisions are built through clarity, trust, and long‑term thinking. The conversation unpacks the difference between transactional advice and true leadership, the role of communication in financial confidence, and why pressure should never replace understanding. Ben and Megan also share how their partnership shapes their philosophy, helping clients navigate uncertainty with confidence, dignity, and perspective. This is a thoughtful look at decision‑making that prioritizes people over products. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Your money can quietly lose ground even when nothing seems wrong. In this episode of Vision Wealth: A New View on Retirement, Ben and Megan Smith unpack the idea of “dead money” — cash parked in low‑yield accounts that feels safe but steadily erodes to inflation and missed opportunity. The conversation explores why liquidity brings comfort, how much is actually useful, and where idle money can hide inside both bank accounts and retirement portfolios. They also discuss the emotional side of risk, tax considerations when repositioning assets, and how income-focused strategies shape confidence in retirement. It’s a practical look at balancing security, flexibility, and long‑term sustainability. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

A fun side gig in retirement could trigger an unexpected financial wake‑up call. This episode of Vision Wealth: A New View on Retirement explores how part‑time income after retirement can ripple through taxes, Social Security, and Medicare in ways many people don’t anticipate. Ben and Megan Smith unpack why earning extra money is only part of the equation, touching on purpose, identity, and how work can shape life after a career. From income thresholds and tax penalties to the psychology of “unretirement,” the conversation highlights why retirement planning isn’t just about dollars – it’s about designing a life that actually works. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What if your retirement income plan had more moving parts than you realized? In this episode, Ben and Megan Smith break down the six streams of income that shape today’s retirement landscape—from Social Security timing to annuities, investments, and even part-time work. Discover how each source brings unique opportunities and trade-offs, and why there’s no one-size-fits-all solution. With candid stories and practical insights, this conversation explores how to build a resilient income strategy that fits your life, your goals, and your future.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Did you know your financial habits could age your retirement plan as fast as poor sleep ages your brain? In this episode, Ben and Megan Smith reveal the sneaky, everyday money mistakes that quietly erode your future wealth. From the dangers of “lifestyle creep” to the hidden impact of fees and the power of small, consistent choices, discover how to break bad financial habits and build a resilient retirement. Whether you’re just starting out or managing a legacy, this candid conversation offers practical insights for making your money work smarter—without sacrificing the joys of life.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What do a superstar athlete and your retirement plan have in common? In this episode of the Vision Wealth Podcast, Ben and Megan Smith break down the concept of deferred income—using Shohei Otani’s headline-making contract as a springboard for real-world retirement strategies. Discover how deferral can impact taxes, income, and legacy planning, and why the right approach depends on your personal goals. From tax-deferred accounts to annuities and Social Security timing, learn how to weigh the options and make decisions that fit your vision for the future. Tune in for practical insights, relatable stories, and expert guidance.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

As the days get shorter and the year winds down, it’s not just your home that needs a seasonal checkup—your finances do too. In this episode of the Vision Wealth Podcast, Ben and Megan Smith share their essential end-of-year financial checklist, from budgeting and tax planning to Roth conversions, charitable giving, and RMD strategies. Discover why even high earners need guardrails, how to make the most of charitable donations, and what steps can help you start the new year strong. Tune in for practical tips, candid stories, and a dose of humor to make financial planning feel less daunting.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Think your investment accounts are quietly working for you? They might be quietly bleeding value. Ben and Megan Smith break down the hidden fees and underperforming products—from variable annuities to whole life insurance—that could be costing you more than you realize. This episode explores why understanding the fine print matters, how small details can add up over time, and why finding a trusted advisor is key. Whether you’re a do-it-yourselfer or want expert help, learn how to spot red flags and make informed decisions that fit your goals.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Is the American dream still within reach, or has it become a luxury reserved for a few? Ben and Megan Smith tackle the true cost of family, education, and retirement, exploring how shifting priorities and smart planning can help redefine financial success. This episode dives into the impact of social media, the value of freedom, and why aligning your money with your values matters more than ever. Discover how habits, mindset, and personal goals shape your journey—because the dream isn’t just about numbers, it’s about what matters most to you.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What happens when long-term care becomes your reality overnight? In this episode, Ben Smith, president and lead wealth advisor at Vision Wealth, and his wife Megan Smith explore the emotional and financial weight of planning for aging, illness, and legacy. From outdated insurance policies to family dynamics and estate planning, this candid conversation reveals why waiting until it’s urgent can cost more than money. Whether you're caring for aging parents or thinking ahead for your own future, this episode offers a heartfelt look at why planning early matters.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

What do dating and financial planning have in common? More than you think! In this episode, Ben Smith, president and lead wealth advisor at Vision Wealth, and his wife Megan Smith unpack the emotional layers of money talk—from transparency in relationships to bridging communication gaps between partners. This candid conversation reveals how trust, honesty, and shared goals can transform financial planning into a team sport. Whether you're the spreadsheet lover or the silent partner, this episode offers insights that go far beyond the numbers.   Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. Like us on FacebookSee omnystudio.com/listener for privacy information.

Ben and Megan Smith of Vision wealth discuss the U.S. Mint’s decision to stop stamping pennies and how they rarely use cash. Then Ben talks about tools in people’s financial plans, such as mutual funds, that do not have the rate of returns they used to have. Ben also talks about refinancing annuities, since interest rates have increased and how no one tool is right for everyone. Ben explains how he puts a lot of effort into crafting plans and how financial strategies sometimes are worth their high fees. Megan then explains how she and Ben often have that same mindset with buying nice items for the house that end up lasting a long time. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FacebookSee omnystudio.com/listener for privacy information.

Ben and Megan Smith of Vision Wealth talk about how Welsh soccer team Wrexham has gained almost 100 times its value in the nearly five years that Hollywood stars Ryan Reynolds and Rob McIlhenney have owned it. Ben discusses the importance of patience and the realization that one has to put in if they expect to get a return. Then Ben breaks down a deferred tax strategy and how that can help people who make big profit off of sales. He explains the process and how Vision Wealth determines if that process is right for someone. And Megan explains the lessons she and Ben teach their teenage daughter on the value of money and how they have to delay gratification sometimes. Ben and Megan also talk about taking the boat out on the river and why they prefer it to be less crowded out there. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FacebookSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about the phone call to partner with a car dealer that Nick Saban says changed his life and could soon make him a billionaire. Ben relates this to his deferred tax strategy and the potential savings it creates. But Ben also shares how some people are leery, because it seems too good to be true. So Ben and Megan talk about the importance of trust between advisors and clients and how finding that trust and spark could lead to a very prosperous relationship. They also compare this to the spark in cheerleading-coaching that Megan finds with some of her teammates. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FB: https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about the prank call that QB Shedeur Sanders got during the NFL Draft and how other scams are much more costly. Ben and Megan share some recent scams they have uncovered and how easily people can fall for them. They give tips on things to look out for and Ben shares how an advisor can be an ally in this and part of their job is helping clients vet things that are fishy, so they do not lost parts of their nest eggs. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FB: https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about the recent shark tooth of the market graph. Ben shares five tools inside and outside of the market that he and the Vision Wealth team can help people use for their financial plans – and they can account for market ups and downs. Megan then shares how she has to use a multi-pronged approach in coaching, since different programs work for different cheerleaders. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FB: https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith discuss how one’s mindset can really affect their financial future. Ben discusses how impatience with the long game and the fixation on instant gratification can be detrimental to one’s long-term plans. And Megan uses her background as a championship-winning cheerleading coach to talk about perseverance and why winning is so dependent on the mental game. And they talk about how the world is full of toddlers – of all ages. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011. FB: https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith discuss the pivotal years before and after the day someone retires. Ben and Megan share how each person requires a different strategy, but how there are several defensive strategies (such as retirement income) and offensive ones (such as money-growth) that people can deploy. Ben also explains how legacy planning is actually an offensive strategy. And the Smiths share their views on the switch to Daylight Saving Time. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011 . https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about both being willing to pay the price for success and dealing with the price or consequences of choices. Ben explains some points from one of his favorite authors, Jordan Peterson, and relates them to how people tackle finances. Ben and Megan each share real life experiences on how people handle what they can and cannot control and share the importance of someone controlling what they can – and beginning a conversation on their financial future with an advisor. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011 . https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about a recent Goldman prediction that the S&P 500 will do considerably worse over the next decade. Ben compares this to another time that the S&P 500 struggled and shares how preparation is much more effecting than overreaction. Megan also compares people’s anxiety with the news cycle to her coaching teenagers, but how active listening and being understanding of feelings is a key to Ben’s methods with clients. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011 . https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith discuss an article that covers several things to do and not to do in retirement. Ben discusses the difference between tax preparation and tax planning. And he lays out some factors to consider with retirement and taxes: how accounts are taxed, diversifying accounts, income tax bracketology, and the importance of picking the right retirement route. Megan also shares about coaching local high schoolers to an Oregon state championship win. Schedule your discovery call with Ben to help calculate the future costs of current decisions at MyVisionWealth.com or call or text 503-831-9011 . https://www.facebook.com/myvisionwealthSee omnystudio.com/listener for privacy information.

Ben and Megan Smith discuss a Wall Street Journal article that interviewed a dozen real estate experts on the renovation items that make the most sense. They share which item gets the biggest return on investment and why someone should not make the house they are selling into their idea of a dream home. The crew also discusses multiple times where Megan has been absolutely right, Ben’s words, on certain home repairs. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about what experts say retirees regret the most. Ben and Megan discuss the issues of not saving enough and taking Social Security at the wrong time, along with the regret of saving too much money and not being able to enjoy life. They also talk about hosting family during the holidays and getting back to their routines. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smtih discuss estate planning and talk about some times in even their own families, when relatives do not want to discuss and plan for the dispersion of their estate. Ben and Megan explain billionaire Warren Buffet’s five tips in this field, including why having co-trustees is not necessarily a bad thing. And Ben and Megan discuss New Year’s goal-planning and how that is especially important with money. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith define longevity risk and the five different ways that long-living can deplete money. Ben also talks about five different ways to fight longevity risk and why having a plan and an advisor is the first place to start. Ben and Megan also discuss how their nifty gift-buying for their kids has caused them to outsmart themselves. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about a recent podcast Ben heard, regarding a Medal of Honor recipient's seemingly worst moment of their life. Ben explains how that person ended up finding that dark time to be their best moment, because of the relationships they made there. Ben and Megan relate this to how Vision Wealth can build relationships with people and find joy in those and how having a financial advisor can help people focus on other things in their life, besides money, that give them more joy.  Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about the consequences of getting caught up in one's own emotions and not knowing the boundaries of their money. And Ben discusses how he and his team can sit with someone and show them their numbers with clarity and objectivity to help them make the best decisions for themselves. The Smiths also discuss a friendly college football rivalry they have with their relatives.  Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith talk about how many people retire at age 62, though they had planned not to. Ben explains to listeners the factors that cause people to retire off-schedule and the questions he asks clients to help them stay on the financial track they want to be. Ben and Megan also laugh about some of the headwinds their own parents faced in retirement and how couples can drive each other crazy and spend more money with extra time on their hands. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith discuss a poll’s results about what Americans aged 65 and over wished they had done better and listened to. Ben also talks about the right moves younger clients of his make and how he coaches people of all ages to achieve their greatest financial potential. Ben and Megan also talk about their children and which one of their activities dominates the family’s free time. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

In this episode of Vision Wealth, Ben and Megan Smith explore the importance of choosing the right location for retirement, highlighting various factors such as cost of living, tax laws, and quality of life. The conversation delves into the top ten places to retire, with a focus on Florida and other states, while emphasizing the need for retirees to build a fulfilling lifestyle. Personal anecdotes and preferences are shared, providing a relatable perspective on retirement planning. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

In this episode of Vision Wealth, Ben and Megan Smith discuss various aspects of retirement planning, particularly focusing on 401(k) plans. They also talk about their love for Oregon Ducks football and the tax consequences of a retiring couple loaning their child a large sum. The conversation emphasizes the need for transparency in financial planning and the potential risks involved in family financial support. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

In this episode, Ben and Megan Smith of Vision Wealth discuss the volatility of the stock market and the uncertainty surrounding the economy. They explore the idea of preserving one's nest egg versus growing their net worth, and the emotional impact of market fluctuations. The conversation also touches on risk tolerance, decision-making in volatile situations, and the importance of trust and communication in financial planning. The hosts use analogies such as GPS navigation and running out of gas to illustrate the need for a clear vision and shared goals in retirement planning. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

In this episode, Ben and Megan Smith discuss the challenges faced by married couples in managing their retirement planning. They address a letter from a woman who is anxious about retiring and worries about making mistakes with their $2 million portfolio. Ben and Megan emphasize the importance of communication and finding a financial advisor who can help manage the portfolio. They also discuss the need for each spouse to have some level of autonomy in their budget and the importance of building trust with a financial advisor. Ready to connect with Ben? For more information go to www.visionwealth.comSee omnystudio.com/listener for privacy information.

In this episode, Ben Smith discusses the topic of retirement and longevity. He mentions the oldest living person, John Tenniswood, who is 111 years old, and discuss the possibility of people living longer in the future. They also talk about the importance of planning for a long retirement and stress testing financial plans to ensure they can last. The conversation touches on the concept of luck in longevity and the importance of living a balanced and purposeful life in retirement. They also discuss the value of community and social connections in promoting longevity and happiness.   for more information go to www.visionwealth.com  See omnystudio.com/listener for privacy information.

Financial Advisor Ben and Megan Smith discuss the possibility of 401(k)s going away in the next 10 years and the implications for retirement planning. Ben and Megan explain the history of 401(k)s and how they were created as a way for employers to shift responsibility onto individuals. They also discuss the potential impact of changing tax laws on 401(k)s and the importance of having control over one's retirement savings. The conversation emphasizes the need for personalized financial advice and planning to navigate the uncertainty of retirement and make informed decisions. It concludes with a reminder to seek a second opinion and consider working with a financial advisor to ensure a secure financial future. for more information go to www.visionwealth.com  See omnystudio.com/listener for privacy information.

Get ready for a new sound that will help set your sights on a solid plan for your financial future. Vision Wealth: A New View on Retirement, is a podcast hosted by Vision Wealth President and Lead Wealth Advisor Ben Smith committed to providing listeners with retirement strategies that are flexible, dependable, and understandable so that building towards or entering their golden years provides comfort and excitement rather than causing uncertainty or concerns. From basic savings and investment planning, to navigating tax and insurance situations that can change in retirement, to planning out a legacy for loved ones, Vision Wealth: A New View on Retirement serves as a steady and knowledgeable voice on which to build for the future. Insurance products are offered through the insurance business Vision Wealth. Vision Wealth is also an Investment Advisory practice that offers products and services through Impact Partnership Wealth, LLC (IPW), a Registered Investment Adviser. IPW does not offer insurance products. The insurance products offered by Vision Wealth are not subject to Investment Advisor requirements. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.  NPN #16649933   If you'd like to contact Ben Smith and get more information, go to www.myvisionwealth.comSee omnystudio.com/listener for privacy information.

Ben Smith and Megan Smith discuss the topic of decluttering, using the analogy of organizing a garage. They explore the challenges of decluttering both physical spaces and retirement portfolios. They emphasize the importance of taking inventory, prioritizing, and making tough decisions to create a clear and organized plan for the future. They also discuss the benefits of seeking a second opinion and working with a financial advisor who can provide a fresh perspective and help navigate the complexities of retirement planning. Overall, the conversation highlights the need for a clear vision and a willingness to make necessary changes to achieve financial success in retirement.   for more information go to www.myvisionwealth.comSee omnystudio.com/listener for privacy information.

Ben and Megan Smith explore the concept of living within one's means and making deliberate financial decisions. It discusses the idea of indulging in bigger or better things and the importance of planning and prioritizing expenses. Ben and Megan share examples of clients who have different priorities and how they help them make informed choices. They also touch on the topics of makeup and vacations as personal investments. The conversation concludes with a mention of the financial advisor's website for further guidance. For more information go to www.myvisionwealth.comSee omnystudio.com/listener for privacy information.

In this episode, hosts Ben and Megan Smith share their personal stories and experiences, highlighting the importance of family and financial planning. They discuss how they met, their journey as parents, and the role of money in their lives. Ben, a financial advisor, emphasizes the significance of teaching children about money and the value of responsible financial planning. The couple also emphasizes the importance of building strong relationships with clients and the trust that comes with it.   If you'd like to learn more, go to www.myvisionwealth.comSee omnystudio.com/listener for privacy information.