Retirement Elevated Podcast with Sean Lee

Sean Lee
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  • UPDATED BIWEEKLY

Financial and retirement planning guidance from Sean Lee of Elevated Retirement Group in Salt Lake City, Utah.

  1. 4D AGO

    Reacting To Financial Hot Takes

    Everyone’s got an opinion about money (especially the people with a book deal or a TV show). Some of that advice is useful. Some of it sounds better on a stage than it works in real life. Financial hot takes can be entertaining, motivating, and occasionally… unhinged. Today, Sean explains that the key is knowing which advice fits your life and circumstances and ignoring the irrelevant stuff. Here’s what we discuss in this episode: 🔥 Kiyosaki’s Call – Quit jobs, buy alternative assets 💰 Orman’s Cushion – 3-5 year cash reserves 📊 O’Leary’s Rule – Constant net worth tracking 📈 Ramsey’s 8% – Aggressive retirement withdrawals 🚀 Musk’s Vision – Future makes savings obsolete   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/   Contact us: (801) 639-0095 slee@erg-slc.com

    21 min

  2. FEB 19

    10 Retirement Myths Too Many People Still Believe

    📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ There’s no shortage of retirement advice, especially on social media, where bold claims and simple formulas get a lot of attention. But how much of it actually applies to your unique situation? Sean plays MythBusters and takes on ten common retirement beliefs that can quietly undermine a well-built plan. If you’ve been relying on generic advice, it may be time to step back and consider a more personalized, thoughtful approach to retirement planning. Here’s what we discuss in this episode: 📜 Wills vs. Trusts: Probate and control considerations 📊 Investment Shifts: Stocks, bonds, and rule-of-thumb thinking 🧩 Social Security Reality: Supplement, not solution 🧾 Tax Bracket Expectations: Retirement tax may surprise you 💼 Working Longer: Backup plans aren’t guarantees   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/ Contact us: (801) 639-0095 slee@erg-slc.com

    19 min

  3. FEB 5

    What’s New For Retirees & Pre-Retirees in 2026?

    📞 Get your customized  planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ What’s changing in 2026 that retirees and pre-retirees should actually care about? This episode walks through the key updates quietly reshaping retirement planning- from Social Security’s cost-of-living adjustment and rising Medicare premiums to new senior tax deductions and expanded catch-up contribution rules. You’ll hear how these changes affect monthly cash flow, tax planning decisions, and saving opportunities in the final working years. Here’s what we discuss in this episode: 📈 Social Security COLA – What a 2.8% increase really means after Medicare 🏥 Medicare Premiums – Why higher costs reduce net raises 🧾 Senior Tax Deduction – New deductions and income phase-outs 📊 Catch-Up Contributions – Higher limits and the “super catch-up” window 🔁Roth Rules – New requirements for high earners 🗓️ Planning Timing – Why early-year decisions matter more than ever   Contact us: (801) 639-0095 slee@erg-slc.com

    14 min

  4. 12/18/2025

    5 Most Misleading Things in Finance

    📞 Get your customized  planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Finance is full of shiny objects, and not all of them are helpful. In this episode, Sean reveals the five most misleading tactics people encounter, from slick sales brochures to “guaranteed” returns that sound too good to be true. He explains why these ideas can create false confidence or unnecessary pressure, especially when decisions aren’t grounded in real planning. The takeaway is simple: clarity beats hype every time. Here’s what we discuss in this episode: 📊 Hypotheticals: projections that rarely reflect reality 🏆 Industry Awards: recognition is often tied to sales volume ⏰ Limited Offers: pressure tactics driven by fear 🎯 Risk Balance: reward only makes sense with context 📝 Written Plans: strategy beats marketing every time   Contact us: (801) 639-0095 slee@erg-slc.com

    15 min

  5. 12/04/2025

    Unlocking 401(k) Potential with Self-Directed Brokerage Accounts (SDBA)

    📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/   Most people never realize their 401(k) might include a powerful option called a Self-Directed Brokerage Account (SDBA), and even fewer understand how it works. Sean breaks down what an SDBA actually is, who qualifies, and why it can open the door to more personalized investment choices inside a traditional retirement plan. If you’ve ever felt boxed in by limited 401(k) options, this episode shows you what’s possible and what to watch out for.   Here’s what we discuss in this episode: 📘 SDBA Basics: what a self-directed brokerage account actually does 💼 More Investment Freedom: how SDBAs expand your 401(k) choices 🧠 Emotional Control: why discipline matters more when you have more options 📈 Market Reality Check: understanding history, volatility, and risk tolerance ✔️ Who Can Use It: how to know whether your employer plan allows SDBAs   0:00 – Understanding Self-Directed Brokerage Accounts (SDBA) 3:58 – The BuyLine Strategy & Emotional Investing 6:36 – What Does the BuyLine Matter? 7:19 – Timing, Tariffs, and Historical Market Performance 9:23 – Risk Tolerance & Diversification 10:20 – Qualifications and Availability of SDBA   Contact us: (801) 639-0095 slee@erg-slc.com

    13 min

  6. 11/26/2025

    How Would You Invest a Million Dollars?

    📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall   📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/   What should you do if you suddenly had $1 million to invest? Sean looks at how three financial advisors answered that question, and why the real answer isn’t a single portfolio, but a personalized plan. Age, goals, family needs, tax exposure, and your own comfort level with risk all shape what “the right” investment mix looks like. A million dollars can be life-changing, but only if it’s invested in a way that fits you.   Here’s what we discuss in this episode: 💡 Start with the person: why personality and risk tolerance guide every decision 🛡️ Protect before you grow: emergency funds, insurance gaps, and risk buffers 🧭 Build the foundation: deciding what portion (if any) becomes long-term growth money 🧮 Taxes matter: structuring the million in the most efficient way possible 📈 Growth with purpose: aligning investments with time horizon and age   Check out the article we referenced: https://www.fa-mag.com/news/have--1m-to-invest--rias-hightower--wellington-altus--poljak-have-thoughts-84240.html   Contact us: (801) 639-0095 slee@erg-slc.com

    17 min

  7. 11/13/2025

    Do Your Feelings Belong in Your Financial Plan?

    📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Most people think financial planning is about calculators, spreadsheets, and strategies. But that’s only half the story. The truth is, your feelings about money can have just as much impact on your retirement as the numbers do. In this episode, Sean explores the emotional side of financial planning. At the end of the day, numbers give us the framework, but your feelings help define the plan that truly fits you. Here’s what we discuss in this episode: ⚖️ Simplicity vs. Detail: Finding the balance between data and emotional clarity 📉 Market Emotions: Why volatility often triggers impulsive reactions 💳 Debt Decisions: Understanding the emotional side of being debt-free or not 🧠 Behavioral Finance: How awareness helps you make calmer, wiser choices   Contact us: (801) 639-0095 slee@erg-slc.com

    16 min

  8. 10/30/2025

    The Hidden Costs of Having Multiple Financial Advisors

    📞 Get your customized planning started by booking a 15-minute consultation: https://calendly.com/erg-slc/15minutediscoverycall 📘 Grab Your FREE Copy of "Rounding Third" http://rounding-third.elevatemyretirement.com/ Some people believe having two financial advisors means double the wisdom, but does that really yield double the benefit? Today, Sean explains why working with multiple advisors can create conflicting advice, overlapping investments, and tax inefficiencies. He outlines the few specialized cases where multiple professionals might make sense, but overall, how having one lead advisor keeps your strategy unified. Here’s what we discuss in this episode: ⚖️ Pros and Cons: the hidden trade-offs of splitting your money 🧩 Communication Breakdown: how conflicting advice creates confusion 📊 Overlapping Investments: why “more” doesn’t always mean better diversification 🤝 Simplify Your Team: how one lead advisor keeps everything aligned 🎯 Confidence Through Clarity: one voice, one plan, one direction   Schedule a 15-minute consultation:  https://calendly.com/erg-slc/15minutediscoverycall Get your free copy of "Rounding Third:"  http://rounding-third.elevatemyretirement.com/ Contact us: (801) 639-0095 slee@erg-slc.com

    15 min
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4.3
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4 Ratings

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Financial and retirement planning guidance from Sean Lee of Elevated Retirement Group in Salt Lake City, Utah.

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