TaylorMade Retirement with Taylor Demars, CFP®

Taylor Demars, CFP®
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Welcome to TaylorMade Retirement! Featuring Taylor Demars, a 3rd-generation financial advisor and CFP®, this podcast explores what it really takes to build a retirement that works- for your money and your life.  Each episode breaks down strategies, stories, and steps to help listeners approach retirement with clarity and confidence. From cutting taxes to avoiding common retirement traps, Taylor draws on decades of family expertise to make complex financial ideas easy to understand. Because life should shape your money, not the other way around. 

  1. 1D AGO

    Pension Payout Decision: The Break-Even Analysis Most People Miss

    Should you take the pension lump sum or monthly payments? It's one of the most important — and most permanent — financial decisions you'll make in retirement. And most of the advice out there starts and ends with the math. Today, Taylor walks you through The Pension Clarity Test: three questions that go beyond the spreadsheet and help you make the pension decision you won't second-guess at 80. We'll cover how to evaluate a pension lump sum vs. monthly payments, the break-even math most people miss, the survivorship question every married couple needs to have, and the long-term reality of managing a lump sum through 30 years of market cycles. Whether you're sitting on a pension buyout offer, weighing a defined benefit plan payout, or just trying to figure out the right pension payout option before retirement, this episode gives you a framework that works for your life — not just your spreadsheet. WATCH NEXT 4 Mistakes To Avoid If You Have a Pension → https://www.youtube.com/watch?v=-tZ-CMku0CA Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    15 min

  2. 6D AGO

    Volunteering: The Best Investment You Might Make In Retirement

    Retirement isn’t just about stepping away from work. It’s about stepping into something meaningful. While most people focus on finances, the happiest retirees often find something deeper: purpose, connection, and a reason to get out of bed each morning. Today, Taylor explores how volunteering can transform retirement through your time, talents, and financial resources. You’ll hear real-life examples of why giving back might deliver the greatest return you’ll ever experience. Here’s what we discuss in today’s show: 🤝 Meaningful Connection: Build purpose and community ⏰ Time Well Spent: Turn hobbies into service 🧠 Use Your Skills: Impact others with experience 💰 Smart Giving: Maximize tax-efficient strategies 🎓 Lasting Impact: Create life-changing opportunities Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    13 min

  3. APR 28

    5 Reasons To Retire Before 62 With $3.2M in a 401(k)

    Can you really retire before 62 with $3.2 million in a 401(k)? Taylor walks you through a real client case study where a couple with $3.2M chose a retirement plan that scored lower, projected less money — and gave them a better retirement than the "slam dunk" plan their previous advisor built. He'll show you why a 94% Monte Carlo score might actually be working against you, what "Tax-Induced Hesitation" is and how it quietly shrinks the retirement you saved for, and the Roth conversion window that closes every year you keep working. 🎬 Watch next: How Retirement Changes Once You Save $2.5 Million: https://youtu.be/TKj3AGA0d8A Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    22 min

  4. APR 23

    The Surprisingly Hard Part of Retirement Nobody Warns You About

    Most retirement conversations are about saving enough. Today we're talking about the other side of that. What happens when you've saved, you're there, and you still can't bring yourself to spend it? It's more common than people admit. And it can quietly rob you of the retirement you worked so hard to build. Here’s what we discuss in today’s show: 💰 Spending Feels Wrong: Saving habits are hard to break  🧠 Identity Shift: From earner to spender is uncomfortable  ⚠️ Hidden Fears: Longevity, control, and guilt drive hesitation  🗺️ Clear Roadmap: Planning creates confidence to spend  📉 Phased Spending: Expenses often decline over time Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    14 min

  5. APR 21

    Moving With $3M in a 401(k)? What Nobody Tells You

    Planning to relocate in retirement with $2M-$4M+ in a 401(k)? Before you list your house, listen to this. Most people don't realize that pulling money from a 401(k) for a down payment can cost $60,000-$65,000 in taxes— for a cash need that lasts 90 days. Taylor walks through the exact planning sequence he used with a real client couple to bridge their move for 95% less, and how the move itself became the catalyst for a Roth conversion strategy worth hundreds of thousands over their retirement. What you'll learn in this video: - Why the 401(k) is the most expensive way to fund a relocation — and the bridge tools that cost a fraction - The two-home overlap trap and why panic decisions during this window cost $70K-$145K - How home sale proceeds are the most powerful (and misunderstood) dollars on your balance sheet - The strategic mortgage: why carrying debt temporarily can save six figures in lifetime taxes - The widow's penalty and how to defuse it before it starts - The exact phased sequence that turned a simple move into a decade of tax savings Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    16 min

  6. APR 16

    Getting Your Spouse Involved in Planning

    We got a great question from a listener: “How do I get my spouse more involved in our retirement planning?” It’s a common challenge, and usually not about understanding the numbers, but about interest and engagement. The goal isn’t to turn your partner into a financial expert; it’s to get aligned on what actually matters. Taylor walks through a better way to approach the conversation so both of you feel confident, informed, and on the same page. Here’s what we discuss in today’s show: 🎯 Spouse Involvement: One partner often leads, but both should be included 🧭 Start with Purpose: Build the plan around what matters to each spouse 🧩 Keep It Simple: Know where money is, who to call, and how income works 🤝 Neutral Advisor Role: A third party helps remove tension and set boundaries 📲 Stay Aligned: Simple tools can keep both partners engaged without stress Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    13 min

  7. APR 2

    You've Managed Your Own Money Successfully - Why Would You Need an Advisor Now?

    You’ve managed your own money for years and done well. So why would you need a financial advisor now? It’s a fair question, and one more people are asking as access to tools and information continues to grow. But what once felt straightforward can quickly become more complex, with higher stakes and less room for error. Today, Taylor explores why the transition into retirement introduces a new set of challenges and where professional guidance can make a difference.   Here’s what we discuss in today’s show: 🧗 Retirement Transition: Moving into retirement introduces new challenges 🧭 Advisor Role: Turning complexity into a clear plan 🧩 Complexity Grows: Taxes, healthcare, and income strategies all interact 📊 Professional Value: Experience can uncover missed opportunities 📞 Take Action: Exploring your options can provide clarity and confidence Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    14 min

  8. MAR 24

    Your Retirement Claiming Strategy is Probably Backwards (Here's Why)

    Most people with a 401k, Social Security, and pension claim them in the order that feels safest — but that sequence can quietly cost six figures in taxes you never needed to pay. Taylor breaks down the three tax traps that punish you for claiming in the wrong order, why the conventional sequence is backwards, and the phased strategy that can save you $100,000+ over your retirement — while still protecting you if life doesn't go according to plan. 📌 TOPICS COVERED → How 401k withdrawals trigger hidden taxes on your Social Security benefits → The provisional income formula and why thresholds set in 1983 still catch retirees off guard → IRMAA: the Medicare premium surcharge linked to your income from two years ago → The Net Investment Income Tax and the $250K threshold for married couples → How to use a Roth conversion window to defuse all three tax traps → The Social Security triangle: quantitative, qualitative, and survivorship angles → Why claiming Social Security early isn't always the wrong call → Spousal coordination strategies for couples with different ages and timelines → How to build flexibility into your retirement income sequence ⏱️ TIMESTAMPS 0:00 - How a $40K withdrawal creates $70K+ in taxable income 0:40 - Meet Greg and Linda — the couple who almost made a $100K mistake 2:00 - Tax Trap #1: The Social Security torpedo (and why 1983 still haunts your tax return) 4:04 - Tax Trap #2: The Medicare surcharge that shows up two years later 5:03 - Tax Trap #3: The 3.8% surtax most people don't see coming 5:54 - Why the sequence that avoids all three feels like the wrong move 6:34 - The two-phase strategy that flips the conventional wisdom 7:48 - Three angles of the Social Security triangle (most people only know one) 9:12 - What changes when there's a big age gap between spouses 10:17 - Why the best retirement plans have a built-in ripcord 11:26 - What happened when Greg and Linda redesigned their sequence 12:38 - What this means for your situation Resources: Website:  https://www.demarsfinancial.com/ Phone: (509) 536-9556 Schedule an introduction call with Taylor: https://bit.ly/demarspodcast Check out Taylor's YouTube Channel: https://www.youtube.com/@TaylorMadeRetirement Taylor's Newsletter: https://demars-financial-group.kit.com/827c64fe0e Disclaimer: Since we don't know your specific situation, none of this information should be construed as tax, legal, financial, insurance, financial advice, or other advice and may be outdated or inaccurate. It is your responsibility to verify all information yourself. This content is prepared for entertainment purposes only. If you need advice, please contact a qualified CPA, attorney, insurance agent, financial advisor, or the appropriate professional for the subject you would like help with. Demars Financial Group, LLC or its members cannot be held liable for any use or misuse of this content. Advisory services offered through Demars Financial Group LLC, a Registered Investment Advisor. Demars Financial Group is not affiliated with LPL Financial.

    14 min
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About

Welcome to TaylorMade Retirement! Featuring Taylor Demars, a 3rd-generation financial advisor and CFP®, this podcast explores what it really takes to build a retirement that works- for your money and your life.  Each episode breaks down strategies, stories, and steps to help listeners approach retirement with clarity and confidence. From cutting taxes to avoiding common retirement traps, Taylor draws on decades of family expertise to make complex financial ideas easy to understand. Because life should shape your money, not the other way around. 

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