Make It Personal Podcast

Mutual of Omaha Advisors
  • 5.0 (14)
  • Investing
  • Updated Weekly

Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

  1. 1d ago

    Why Retirement Feels Lonely (and How to Fix It) | EP 82

    Retirement sounds like freedom, until the calendar disappears and the questions get loud. If you’ve ever wondered why retirement can feel lonely, uncertain, or oddly unstructured (even when your finances look “fine”), this episode is for you.  In Episode 82, we break down a better way to navigate retirement decisions without carrying them by yourself: building a Retirement Board of Directors. This isn’t a formal committee or complicated system, it’s simply a trusted retirement support network that helps you connect money decisions to the life you want to live. We’ll walk through why retirement planning isn’t just about investments, savings, and income strategies, it’s about health, relationships, purpose, and identity. You’ll hear the story of Joe, who retired with a strong financial plan but still felt unexpected uncertainty, and why that happens to so many people.  The solution starts with one trusted financial advisor who truly knows you and can act as the hub, helping you identify when a decision is financial, personal, or a signal to bring in another voice. If you’re looking for clarity, confidence, and a retirement plan that feels personal, not just mathematical, press play. You’ll Learn: → Why retirement decisions rarely fail due to lack of information and more often break down due to lack of perspective.  → What a “Retirement Board of Directors” actually is and how it reduces uncertainty by turning solo decision-making into better conversations.  → Why a great financial advisor should do more than manage investments, by helping connect your money to your values, lifestyle, and long-term health.  → One question to ask yourself today to make retirement easier, more supported, and more aligned with the life you want. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  2. Jul 23

    The Retirement Risk Most Families Never Plan For | EP 81

    What if the biggest threat to your retirement plan is not the stock market, inflation, or taxes, but a long-term care event your family never saw coming? In this episode of Make It Personal, we share a real retirement planning story about a couple in their late 50s and early 60s who had saved well, invested carefully, and prepared for the future, but were still worried one unexpected health event could drain their savings and impact their children. Mutual of Omaha advisor John Bronzema joins the show to explain how long-term care planning, pension decisions, permanent life insurance, retirement income planning, and legacy planning came together in one coordinated strategy. This conversation is for pre-retirees, retirees, and families who want to protect retirement savings, prepare for long-term care costs, make smarter pension and Social Security decisions, and leave a tax-efficient legacy for the next generation.  You’ll hear how thoughtful financial planning helped this couple move from fear and uncertainty to confidence, clarity, and freedom to enjoy the retirement they worked so hard to build. Highlights: → You’ll learn how a real long-term care experience with a parent changed the way this couple looked at retirement risk, family protection, and future health care costs. → Why pension decisions matter so much in retirement planning, especially when choosing between a higher monthly payout and survivor benefits. → How permanent life insurance with living benefits can support long-term care planning, pension protection, and legacy goals in one flexible strategy. → How an annuity income stream helped fund insurance premiums and turned unused retirement assets into a larger protection and legacy plan. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  3. Jul 16

    Roth 401(k) to Roth IRA: The Tax Rule Most People Miss | EP 80

    Thinking about rolling over a Roth 401(k) to a Roth IRA after leaving your employer? Before you do, it’s important to understand how Roth 401(k) rollovers actually work, especially when your account includes employer matching contributions, pre-tax money, and after-tax Roth contributions.  Many people assume that because an account says “Roth,” every dollar inside it is automatically tax-free forever. But that is not always true. In this episode of Make It Personal, we answer Jennifer’s question about how Roth 401(k) to Roth IRA rollovers are tracked, what happens to employer pre-tax contributions, and whether choosing different investments inside the Roth IRA changes the tax treatment. You’ll learn how the IRS views Roth money versus pre-tax money, why rollovers often separate dollars into different IRA accounts, and when a Roth conversion may come into play. This episode is for anyone leaving a job, reviewing an old 401(k), planning retirement income, or trying to avoid tax surprises with Roth retirement accounts. Highlights: → You’ll learn how Roth 401(k) dollars and employer match dollars are treated differently during a rollover.  → We explain why pre-tax employer contributions usually do not simply become tax-free Roth IRA money, and why they may be moved into a Traditional IRA instead.  → You’ll also hear why changing investments inside a Roth IRA, such as ETFs, mutual funds, stocks, or bonds, does not change the Roth tax status of the account.  → We break down the difference between a rollover and a Roth conversion so you can better understand when taxes may apply and why planning matters. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting - Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  4. Jul 9

    Social Security Secrets That Could Add Thousands to Your Retirement | EP 79

    What if you’re leaving thousands of dollars in Social Security benefits on the table every year, money you earned and may still be able to claim? In this episode of Make It Personal, we reveal Social Security secrets and claiming strategies most people never hear about, including hidden spousal benefits, divorced spouse benefits, survivor benefits, and timing moves that can dramatically increase your monthly check. The truth is: the “best age” to claim Social Security retirement benefits isn’t the same for everyone. Your full retirement age, health, longevity, taxes, and other income sources, like a 401(k), IRA, pension, or part-time work, can completely change the smartest claiming plan. We also unpack why the Social Security breakeven point can be misleading, how COLA adjustments affect long-term retirement income, and how taxation of Social Security benefits works through provisional income.  If you’re approaching retirement, already retired, divorced, widowed, raising a child, or coordinating benefits with a spouse, this is a must-listen guide to maximizing Social Security and building a smarter retirement income plan. You’ll learn: → How to choose the best Social Security claiming age based on your full retirement age, health, and cash-flow needs, not generic advice.  → Often-missed spousal and survivor strategies, including divorced spouse benefits if you were married 10+ years and how survivor timing can change monthly income.  → Lesser-known provisions like child-in-care benefits, parent benefits in special cases, and how disability-to-retirement conversion can protect benefit amounts.  → Practical planning tips for coordinating Social Security with retirement accounts, reducing Social Security tax exposure, and staying prepared for COLA trends and potential legislative changes. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  5. Jul 2

    How Reverse Mortgages Work (And Why the Bank Doesn’t “Take” Your Home) | EP 78

    Your home isn’t just where your memories live, it may be the missing piece in your retirement plan. In this episode of Make It Personal, we unpack the reverse mortgage reality and explain how a reverse mortgage can help eligible homeowners 62 and older access home equity for retirement income without selling the house or moving out. If you’ve ever heard “the bank takes your home” or that reverse mortgages are a last resort, this conversation clears up the biggest myths and gives you the real mechanics behind today’s federally regulated options like the HECM reverse mortgage. You’ll learn how reverse mortgages can create financial flexibility, support lifestyle goals like travel or home renovations, help cover healthcare costs, and even work alongside estate planning when structured thoughtfully. We also cover the important responsibilities, property taxes, homeowners insurance, upkeep, and the real costs like origination fees, closing costs, and interest accrual so you can make an informed decision. Whether you’re planning retirement, optimizing cash flow, or exploring ways to stay in the home you love, this episode gives you a practical, planning-first framework. Learn more at makeitpersonalpodcast.com and explore education resources like HUD HECM guidance and trusted reverse mortgage counseling. You’ll learn: → You’ll understand what a reverse mortgage is and how it turns home equity into cash flow through a lump sum, monthly payments, or a line of credit. → You’ll learn why you still own your home, when repayment actually happens, and how consumer protections work in today’s reverse mortgage programs. → We’ll walk through the real tradeoffs, fees, closing costs, interest accrual, and equity impact, so you can evaluate whether it fits your retirement plan. → Finally, you’ll get a step-by-step approach for exploring eligibility, using HUD and certified reverse mortgage counselors, and having a no-obligation conversation with a specialist to match the strategy to your income needs and legacy goals. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions. Strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  6. Jun 25

    If Your Business Vanished, Would Your Wealth Survive? | Ep 77

    If your business disappeared tomorrow, would your financial security disappear with it? Many business owners work hard to grow revenue, increase profit, and build enterprise value, but their entire financial life is often tied to one place: the business. Their income comes from the business, their net worth depends on the business, and their retirement plan may rely on a future sale that may or may not happen on their terms. In this final episode of the Seven Pillars mini-series from Profit, Protect, Prosper, we explore Pillar 7: building wealth beyond the business. This episode is for business owners, entrepreneurs, and families who want more financial independence, more liquidity, and more control over their future. You’ll learn why diversification outside the business matters, how owners can begin creating wealth that is not tied to a valuation event, and why retirement accounts, diversified portfolios, tax-advantaged strategies, and disciplined profit allocation can help create long-term security. Your business can be your passion without being your only financial plan. When you build wealth beyond the business, you gain options, negotiate differently, plan differently, and sleep differently. Highlights: → You’ll learn why having your income, net worth, and retirement tied to your business can create financial dependency instead of true diversification. → This episode explains how directing a portion of annual profits into investments outside the business can help create liquidity, independence, and long-term financial flexibility. → You’ll hear why diversified portfolios, retirement accounts, and tax-advantaged strategies can help business owners build wealth beyond a future sale or valuation event. → We also discuss how financial clarity gives business owners more control, better options, and greater confidence when planning for the future. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  7. Jun 18

    Your Business Shouldn’t Be Your Only Retirement Plan | Ep 76

    If your business disappeared tomorrow, would your financial security disappear with it too? In this episode of Make It Personal, we unpack why building wealth beyond your business is one of the most important financial moves a business owner can make.  This conversation is for entrepreneurs, founders, and owners who have most of their income, net worth, and retirement tied directly to their company. If you want more financial independence, stronger retirement planning, better diversification, and real peace of mind, this episode shows why your business should be part of your wealth strategy, not the entire plan. Learn how creating investments outside the business can increase liquidity, reduce financial risk, and help you make smarter long-term decisions without feeling trapped by one future sale, one valuation, or one outcome. You’ll Learn: → Why so many owners unintentionally build financial dependence instead of diversification. → How directing a portion of annual profits into retirement accounts, diversified portfolios, and tax-advantaged strategies can create more control. → Why liquidity outside the business changes the way you negotiate, plan, and think about your future.  → How wealth beyond the business supports financial security, independence, and flexibility, especially for owners who want their business to remain a passion without making it their only financial plan. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

  8. Jun 11

    What If One Hospital Visit Destroys Your Retirement Plan? | EP 75

    What if a sudden medical emergency wiped out years of careful retirement planning? One hospitalization, unexpected surgery, chronic condition, or long-term care need can quietly become the silent killer of retirement savings, especially when Medicare doesn’t cover everything.  In this episode of Make It Personal, we break down the “what if” of healthcare costs in retirement and how proactive retirement planning can protect your nest egg, your lifestyle, and your independence. If you’re pre-retirement or already retired, this conversation will help you think through Medicare limitations, out-of-pocket costs, supplemental coverage like Medigap or Medicare Advantage, and the real-world risk of assisted living, nursing homes, or in-home care. We also cover how Health Savings Accounts (HSAs) can act as a tax-advantaged retirement healthcare fund, and why long-term care insurance may be worth evaluating before it’s too late.  The goal is simple: build a financial safety net for medical costs so you don’t have to scramble later, drain investments, or compromise your retirement lifestyle when health surprises happen. You’ll learn: → How Medicare gaps can create major retirement out-of-pocket costs and what supplemental coverage options may reduce the risk.  → How HSAs work as a tax-smart way to plan for healthcare expenses in retirement and why unused balances can strengthen your overall retirement strategy.  → How long-term care costs (assisted living, nursing homes, in-home care) can derail even strong retirement plans and what insurance or planning tools may help protect assets.  → How to create an emergency healthcare fund, estimate realistic retirement medical costs, and review your plan regularly as your health and needs change. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

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Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

Information

  • Creator
    Mutual of Omaha Advisors
  • Years Active
    2025 - 2026
  • Episodes
    82
  • Rating
    Clean
  • Copyright
    © Mutual of Omaha Advisors
  • Show Website
    Make It Personal Podcast