Planning Matters Radio

Richon Planning
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An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets to help you achieve your retirement goals.

  1. 5D AGO

    Retirement Milestones: The Ages That Trigger Big Financial Decisions

    There are a few birthdays that matter a lot more than the candles on the cake 🎂 Certain ages can unlock benefits, or create costly mistakes, if you don't plan ahead. In this interview, Peter with Richon Planning and Erin Kennedy break down the key ages every investor and retiree should know, including: • 62 – When Social Security becomes available… but should you claim? • 59½ – Penalty-free withdrawals and in-service rollovers • 65 – Medicare eligibility (and why missing this can be expensive) • 70½ – A powerful opportunity for charitable giving with QCDs • 73 – When Required Minimum Distributions begin Whether retirement is right around the corner or still on the horizon, understanding these milestones can make a meaningful difference in your long-term plan. To talk to Peter to learn what to do, and what to avoid, at every stage, call (919) 300-5886 or visit www.RichonPlanning.com

    14 min

  2. FEB 28

    Five Financial Blind Spots That Can Burden a Grieving Spouse

    The loss of a spouse is emotionally overwhelming, and for many families, it also brings unexpected financial stress. In this interview, Peter with Richon Planning and Erin Kennedy walk through five common financial blind spots that often surface after a spouse's death... and the proactive steps couples can take now to protect each other later: • Surprise Debt – Financial obligations that catch surviving spouses off guard • Being Locked Out of Accounts – When assets are frozen or tied up in probate • Invisible Credit Records – Why some widows discover they have little or no credit history • The Reality of a New Budget – Understanding true household expenses after loss • Higher Tax Brackets After Loss – The "widow's tax" and how planning ahead can help These are difficult topics, but addressing them early can spare surviving spouses from added stress during an already painful time. To sit down with Peter to ensure your spouse is financially secure, no matter what happens, call (919) 300-5886 or visit www.RichonPlanning.com

    14 min

  3. FEB 14

    4 Ways to Improve Your Investment Performance

    Improving your investment performance doesn't always mean taking more risk... or chasing the latest trend. In this video, Peter with Richon Planning and Erin Kennedy break down 4 simple, fundamentals-based ways to improve results without adding complexity: ✔️ Automate and get out of your own way ✔️ Consolidate old accounts ✔️ Define your time horizon before investing ✔️ Save a little more each year Sometimes the biggest gains come from doing the basics consistently, and avoiding the mistakes that could derail long-term plans. If you'd like to make sure your fundamentals are in place, or if you'd like to talk more advanced planning, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com

    12 min

  4. FEB 7

    ⚖️ 3 Signs You're Invested Too Conservatively

    You've heard a lot about the stress of taking on too much risk in retirement. But as Peter with Richon Planning talks through with Erin Kennedy, playing it too safe can create just as much financial pressure.  In this interview, we walk through three warning signs your portfolio may be holding you back:  🔹 You constantly worry about running out of money Being overly conservative can limit growth—especially during a long retirement. 🔹 Your money isn't working for you If your portfolio barely moves while inflation keeps rising, your purchasing power may be shrinking. 🔹 You avoid financial decisions out of fear Hesitating to make adjustments—even when they make sense—can be a sign fear is driving strategy. We also explain why investing too conservatively can be just as dangerous as taking on too much risk—and how finding the right balance matters more than ever. If you'd like to sit down with Peter to determine if your retirement plan may be playing defense when it should be playing offense, give him a call at (919) 300-5886 or visit www.RichonPlanning.com

    12 min

  5. JAN 31

    👶💰 Tax Bill Includes a $1,000 Baby Bonus in 'Trump Accounts' — Here's Who Is Eligible

    A new provision in President Trump's tax bill is getting a lot of attention: a government-funded $1,000 savings account for children, now known as "Trump Accounts." But as with most things in tax policy, the details matter. In this interview, Peter with Richonplanning and Erin Kennedy break down:   Who's eligible — and how families actually receive the money   Who can contribute and how much   How these accounts are invested   How tax-deferred growth and capital-gains treatment compare to other options   When it makes sense to fund a Trump Account vs. a 529 plan or custodial account If you're a parent, grandparent, or loved one who wants to learn more about setting your child up for success, please call Peter at (919) 300-5886 or visit www.RichonPlanning.com

    14 min

  6. JAN 24

    Are You Ever Too Old For An Annuity?

    How old is too old to buy an annuity? It typically doesn't make sense to buy one if you're under 50, and most insurance companies stop selling them once you hit 90. But as Americans live longer, our fear of outliving our savings has pushed sales of annuities to record highs. In fact, annuity sales topped $432 billion in 2024, but as Peter with Richon Planning and Erin Kennedy discuss, that doesn't mean they're right for everyone. In this interview, we break down: 🔹 When an annuity actually makes sense — and why timing is everything 🔹 The core problem annuities solve 🔹 How much liquidity you should keep before locking money up 🔹 The tax implications for you and your heirs 🔹 And what to consider if you're too young or too old for an annuity If you've ever wondered whether an annuity fits into your retirement income plan, please give Peter a call at (919) 300-5886 or visit www.RichonPlanning.com to learn more.

    15 min

  7. JAN 17

    Are You Taking on Too Much Risk? 4 Signs to Watch 🚩

    Risk isn't just a number on a chart... it's how you feel when markets move. If you've ever wondered whether your portfolio matches your true risk tolerance, Peter with Richon Planning and Erin Kennedy lay out four red flags to pay attention to: 🔹 You check your accounts constantly. How often is too often? If market swings dictate your mood, it may be time to reassess. 🔹 Market drops keep you up at night. The headlines are loud, and it's hard to tune out the noise. 🔹 You've made panic-driven decisions before. Emotional investing is one of the biggest threats to long-term returns. 🔹 You feel pressure to "chase" returns. FOMO can push you into taking risks you're not comfortable with. The good news? Peter can help align your investments with your true risk tolerance, keeping you disciplined, diversified, and focused on the long-term plan (not the daily swings). If you'd like to find a plan that's in line with your goals and your tolerance, please call (919) 300-5886 or visit www.RichonPlanning.com

    14 min

  8. JAN 10

    3 Easy Ways to Jeopardize Your Retirement ⚠️💸

    Most people are so focused on saving for retirement that they overlook the everyday habits that can derail it. According to Kiplinger, only 44% of Americans have calculated what they'll need to live on in retirement, and without that number, it's easy to overspend or take on risks that shrink your nest egg. In this week's interview, Peter with Richon Planning and Erin Kennedy break down the three most common pitfalls pre-retirees face: 🚫 Maintaining Debt Many retirees carry credit cards, car loans, mortgages, sometimes totaling $55,000. We discuss why entering retirement debt-free is so critical and what steps to take now to get there. 👨‍👩‍👧 Helping the Kids Half of parents are providing financial support to their adult children... averaging $1,500 a month. How do you help family without sacrificing your own financial future? 💳 Living "Large" Are you spending more than you should? We lay out how to realistically evaluate your lifestyle so you don't outlive your savings. If you'd like to learn how small decisions and simple habits today can protect your retirement, please call Peter at (919) 300 - 5886 or visit www.RichonPlanning.com

    12 min
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About

An independent financial, investment, and retirement planner. Identifying opportunities and protecting what's important. We help you protect your paycheck through all walks of life and manage assets to help you achieve your retirement goals.

Information

  • Creator
    Richon Planning
  • Years Active
    2018 - 2026
  • Episodes
    100
  • Rating
    Clean
  • Copyright
    © All rights reserved
  • Show Website
    Planning Matters Radio