Financial Planning for Those Retiring in 5-10 Years: The Podcast
If you’re within 5–10 years of retirement, this podcast is for you. Kolin breaks down the real financial decisions, beyond just returns, that can help you work towards reaching your financial goals.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Nodaway Valley Bank (NVB) and Nodaway Valley Investment Services™ (NVIS) <u> are not </u> registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the name NVIS, and may also be employees of NVB. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NVB or NVIS. Securities and insurance offered through LPL or its affiliates are:
Not Insured by FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value
Episodes
18 episodes
What Your Investment Statement Doesn't Tell You | Episode 18
Your investment statement is great to look at to see how your investments have done, but it does not tell you the entire picture of your retirement. Your investment statement lacks the necessary details that can affect your retirement. This epi...
What Happens If The Market Crashes Right When You Retire? | Episode 17
In this episode I talk about something called "Sequence of Returns Risk". What happens if your portfolio falls in your first year of retirement? What happens if the market has consecutive negative years early in your retirement or right before ...
The Hidden Tax Cost of Mutual Funds | Episode 16
In this episode I talk about the hidden tax cost of mutual funds when held inside of a taxable account. I want to make it clear that I am not stating mutual funds are bad. I hold them for clients, along with ETFs. However, I wanted to talk abou...
Medicare Claiming at 65: How it Works & What to Be Aware Of | Episode 15
In this episode, Kolin talks all things Medicare.What Medicare isHow Medicare WorksWhen to Claim MedicareThe Different Parts of MedicareWhat is IRMAA and How Does It WorkWhat Are Some Mis...
Walking Through A Retirement Plan For A Client (High Level Overview) | Episode 14
In this episode I walk through what it is like to start working with me as a client. I talk through an example of John and Sarah, and the things that I found/helped guide them through as we started working together. Financial planning encompass...
When Should You Claim Social Security? A Few Things To Think About | Episode 13
In this episode I talk about Social Security and the multiple decisions that you have to make when thinking about when to claim it. I talk about how rather than looking at Social Security as a stand alone issue, how can you incorporate it in yo...
The First Conversation With A Financial Planner - What You Should Expect | Episode 12
The first step to getting better financial advice is to just have a conversation with a financial planner. This conversation does not mean you need to move from your current advisor or that you are going to move your accounts over. Rather this ...
Trump Accounts: What You Need To Know | Episode 11
In this video I talk about the new accounts for your children, called the Trump Account. This account can be used to save for your children's future via the stock market. The Trump Account comes with different rules than a 529 or UTMA account, ...
5 Numbers You Need To Know Before You Retire | Episode 10
Retirement planning comes down to the numbers. Most people spend years and years saving for retirement but end up not knowing the key figures that actually determine whether they are ready to retire. Those key numbers can help bring you confide...
How Much Can YOU Spend In Retirement? | Episode 9
Retirement spending is not a one size fits all approach. There are many different things to think about when it comes to spending your portfolio down in retirement. How much guaranteed income do you have, what are your other income sources in r...
If I were 10 years until retirement, I would want to get clear on these six things | Episode 8
In this video I talk about the important questions and decisions to focus on if I were 10 years until retirement. Retirement is one of the biggest decisions that occur in our lives, so you should take time to focus on many important details. Wh...
Inherited IRAs: What You Need To Know (Spouse Beneficiary) | Episode 7
In this video I talk about inheriting a retirement account as a spouse beneficiary. These rules are different than a non-spouse beneficiary of a retirement account. I talk about the 3 options you have, whether that is rolling the money into you...
Max Social Security Benefits in 2026 | Episode 6
In this video Kolin Hayes talks about the maximum social security benefit someone can earn in 2026. He looks at the social security wage base in 2026 of $184,500 and how that has increased each year. Kolin talks about the cost of living adjustm...
Inherited IRAs: What You Need To Know (Non-Spouse Beneficiary) | Episode 5
In this video Kolin talks about inherited IRAs and what you need to know as a non-spouse beneficiary of a retirement account. As a non-spouse beneficiary, there are some new rules that dictate when and how you remove money from an inherited ret...
Social Security: What You Need To Know (2026) | Episode 4
In this episode I talk about how Social Security claiming works. How your Social Security (SSA) benefit is reduced or increased based on when you claim. I talk about 5 things to think about when planning a SSA claiming strategy. ➡️ Lear...
Required Minimum Distributions: How They Work and How to Plan For The Future Taxes | Episode 3
In today's video I talk about Required Minimum Distributions, also known as RMDs. I talk about how they work, when they start and things to think about when it comes to RMDs. The future tax impact that they can have on your plan and your money....
What is a Financial Planner (& How Does It Differ From A Financial Advisor?) | Episode 2
In this episode, I talk through the differences of a financial planner and a financial advisor, what each one focuses on, and how to figure out which might be the right fit for you. I talk about the type of financial planning work I do with my ...