Ozarks Retirement Show

Brad Pistole
  • 4.3 (28)
  • Investing

Brad Pistole, RICP®, and the Ozarks Retirement Group help pre-retirees and retirees turn savings into reliable monthly income. Each episode covers Social Security timing, tax-efficient withdrawals, sequence-of-returns risk, guaranteed lifetime income, Medicare/IRMAA, and the questions you must answer before you retire. Practical planning from the longest-running retirement show in the Ozarks—now The Ozarks Retirement Show. ozarksretirement.com

  1. 4d ago

    The Forever Paycheck with Jean Chatzky

    You can do everything “right” for decades, max out your 401(k), build a solid IRA, and still hit retirement with a knot in your stomach. The paycheck that’s always been there is about to disappear and suddenly your life savings feels less like freedom and more like a fragile pile you’re afraid to touch. That fear shows up everywhere, from 30-somethings to boomers, and it’s one of the biggest reasons people either overreact to market dips or underspend and leave joy on the table. We talk with personal finance powerhouse Jean Chatzky about The Forever Paycheck and the shift from accumulation to retirement income planning. We dig into why retirees often refuse to spend principal, how the “no more do-overs” reality changes risk, and why classic rules of thumb like the 4% rule can feel shaky when sequence of returns risk, inflation, and interest rates don’t cooperate. Then we get practical: separating needs, wants, and wishes, figuring out real spending (not guesses), and designing an income floor you can count on. We also get specific about guaranteed lifetime income and annuities as tools, not magic. Jean shares how her views evolved, how guarantees can reduce stress for couples and surviving spouses, and why insuring part of your income can free you to invest the rest with a longer time horizon and more flexibility. If you want a retirement strategy built around confidence, clarity, and a paycheck you can’t outlive, this conversation will help. Subscribe for more retirement planning and personal finance conversations, share this with someone who worries about retirement income, and leave a review so more listeners can find the show. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  2. Sep 3

    Why Safe Money Radio Became The Ozarks Retirement Show

    The name you’ve trusted for years just changed and the reason isn’t marketing. It’s protection. After nearly two decades on the air, we’re retiring the Safe Money Radio name and stepping forward as The Ozarks Retirement Show so listeners can instantly tell who they’re hearing and where to find us online without confusing copycats. We take you back to 2009, when the country was still limping out of the 2008 financial crisis and Safe Money Radio was born as a brand-new idea. I share what it was like starting a financial services business in 2008 with no finance degree, no formal background, and plenty of pressure just to survive. You’ll hear how the show grew from humble beginnings into a national presence, largely because we stayed real, told client stories with care, and focused on clear retirement planning education instead of hype. We also talk candidly about the messy parts: the early days of scripted radio that didn’t sound like me, the criticism around annuities and being labelled “just a salesman,” and what happens when success attracts competitors who copy what works. Then COVID hits, the national network shrinks from dozens of hosts down to one, and the Safe Money Radio name gets sold, leading to a situation where someone else can host a “Safe Money Radio podcast” and claim the spotlight. Nothing changes for you except the name. Same stations, same weekly rhythm, and the same commitment to retirement income planning, market risk clarity, and top-tier guests. If you value straight talk and practical guidance, subscribe, share the show with a friend, and leave a review so more people can find The Ozarks Retirement Show. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  3. Aug 27

    Tax Preparation Vs Tax Planning For Retirement with Gary Wood

    A big tax refund feels like a win, but it can be the clearest sign you played the wrong game all year. Brad sits down with his longtime CPA, Gary Wood, to talk about what actually drives results for retirees and near-retirees: proactive tax planning that lowers your lifetime tax bill, not just a tax return that documents last year. We get practical about the difference between tax preparation and tax planning, why most people only see their CPA when everyone is busiest, and how a year-round planning relationship creates better decisions around income, deductions, and timing. Gary shares how raising four kids changed his perspective on tax deferral and liquidity, and why “life optimization planning” can matter as much as portfolio math, especially if you expect to work part time in retirement. We also unpack the real-world tax issues that show up after you retire: Social Security taxation, Medicare IRMAA, RMDs, and how filing status can shift if you lose a spouse. Then we move into the nuts and bolts: marginal tax brackets, bracket harvesting, and why Roth IRA contributions and Roth conversions can be a smart “now, later, never” strategy when you coordinate them with deductions. We also call out the noise of viral “tax hacks” and explain why small, repeatable moves often beat flashy one-time plays. If you want clearer next steps and fewer surprises, subscribe, share this with a friend who hates tax season, and leave a review with the one tax question you want answered next. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  4. Aug 20

    You Are Not Ready To Retire Until You Can Answer These Three Questions

    Retirement decisions get dangerous when they are driven by exhaustion instead of numbers. We start with a simple challenge: can you say, out loud, the exact monthly income you need after your paycheck stops, and can you prove it with a retirement budget you trust? If you cannot, you are not alone, and you are exactly who this conversation is for. We break retirement income planning into three must-answer questions. First, we nail down your baseline monthly expenses so you are not guessing. Second, we separate real income from “if come” by looking at what is contractually guaranteed for life versus what depends on markets, tenants, or timing. Along the way, we unpack why down years like 2022 can crush retirees who are withdrawing from traditional portfolios, and we explain the “quadruple whammy” of taking distributions during losses while still paying fees and taxes. Then we move to the part too many plans skip: risk removal. We talk survivor planning when one spouse dies and a Social Security check goes away, pension elections that can cut income, and the hard truth about healthcare and long-term care costs that can spike fast. These are not abstract risks, they are real stories and real numbers, and they are exactly why guaranteed lifetime income and smart tax planning can bring peace of mind. Subscribe for more practical retirement guidance, share this with someone within three years of retirement, and leave a review so more families can find the show. What is the one “what if” you want your retirement plan to handle? Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  5. Aug 13

    When Your Spouse Dies: A Widow’s Story on Money, Social Security & Surviving the Shock

    Your spouse dies and suddenly the questions are nonstop, and some of them are terrifyingly practical: Where are the accounts? What were the passwords? Which check is still coming next month? I sit down with my 79-year-old mom, Peggy Sue Pistole, for a raw, in-person conversation about becoming a widow and learning how to live again after losing her best friend and marriage partner, my dad, Joe “Hilliard” Pistol. We walk through the night he passed, the shock of an unexpected medical emergency, and what happens after the funeral when the paperwork and money decisions hit all at once. We talk about the things families rarely plan for: how long it can take to gain access to a computer and records, how hard it can be to even find a life insurance policy, and why Social Security survivor benefits can still bring a surprise when a deposit gets pulled back after a death. Then we get practical about retirement income planning. We explain why sequence of returns risk matters, why an “income floor” can protect a surviving spouse from panic, and how guaranteed lifetime income from annuities can create steady monthly cash flow through direct deposit even when markets feel uncertain. We also touch on Roth conversion planning and why tax free money can be a lifeline when life happens fast. If you want a retirement plan your family can run without you, listen, take notes, and share this with someone you love. Subscribe to the podcast, leave a review, and tell us what part of your plan you want to simplify next. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  6. Aug 7

    How Guaranteed Income Unlocks Growth In Retirement

    Retirement doesn’t fail because you picked the wrong fund. It fails when your paycheck depends on a market that doesn’t care what year you retired. We sit down with Curtis Cloak, a world-renowned retirement income planner, to unpack his “promise-based income” approach and why certainty comes first when you’re trying to make money last for life. We talk through the idea of building an income floor using contractual sources like Social Security, pensions, and the right kind of guaranteed lifetime income, then using that foundation to pursue growth with the rest. Curtis explains the research-backed target of aiming for roughly 80% of your grossed-up retirement income from promise-based sources, and why the red zone (10 years before and after retirement) is where sequence of returns risk can permanently derail a plan. We also dig into why the old 4% rule may not fit today’s longer lifespans and higher volatility, and why planning closer to a 3% withdrawal rate from risk-based assets can change the odds dramatically. Along the way, we make it practical: the “holding assets hostage” example, the difference between living on assets versus living on income, and why safety does not have to mean “no growth.” Curtis also tells the behind-the-scenes Ken Fisher annuitybunk story that shows how misunderstood annuities can be, especially when people treat 1 out of 42 product types like it represents the whole category. If you care about retirement income planning, guaranteed lifetime income, and building a plan that accounts for fees, taxes, and inflation, this conversation gives you a clear framework to think with. Subscribe so you never miss an episode, share this with a friend who’s near retirement, and leave us a review with your biggest retirement planning question. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  7. Jul 31

    Life Insurance And The Widow’s Penalty Explained

    The hardest part of retirement planning isn’t choosing an investment. It’s facing the risk nobody wants to price: the unexpected phone call, the sudden diagnosis, the accident that turns “someday” into “today.” Brad Pistol shares a personal story of loss, then connects it to the real financial chain reaction many families experience when a spouse dies and the plan was built for markets, not real life. We talk through why so many people insure cars, homes, and vacations, yet leave their income underprotected. From there, we unpack the widow’s penalty: how one Social Security check disappears, why taxes can rise when filing status shifts from married to single, and how IRMAA can increase Medicare premiums. If most of your wealth sits in a traditional 401(k) or IRA, withdrawals may become fully taxable at the exact moment the household has less income and less margin for error. We also challenge the “life insurance is always bad” talking point with a more complete fiduciary lens: tax planning, estate planning, beneficiary reviews, decumulation strategy, and building tax-free options like Roth money or properly designed cash value life insurance. Brad explains how tax-free buckets can help retirees avoid selling investments during a market downturn, and why planning before the funeral is the only version that works. If you want a retirement income plan built for real-world shocks, not just spreadsheets, listen now. Then subscribe, share this with someone you love, and leave a review so more families can find the information before they need it. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

  8. Jul 24

    I Went To The World Cup And My Wallet Still Hurts

    You can feel the electricity of the World Cup from blocks away, but the real shock hits when you start doing the math. After traveling to Dallas for a match at AT&T Stadium, I walked through the crowds, watched the lines in the gift shops, saw the $249 authentic jerseys, and realized something every retirement planner should talk about: “once in a lifetime” spending can quietly become a lifetime financial tradeoff. We break down what a World Cup trip can realistically cost a family of four when you total up tickets, flights, hotels, Ubers, food, and souvenirs. Then we go one step deeper and calculate the opportunity cost using compound interest. What does $10,000 spent today cost a 45-year-old in retirement dollars? What about a 35-year-old or a 25-year-old with decades for compounding to work? This is the kind of retirement planning conversation that turns vague guilt into clear choices. From there, we shift into wealth-building fundamentals: how surprisingly “small” daily savings habits can add up to a million dollars, and why mindset matters more than hype. I also share lessons from Tom Hegna’s Who Wants to Be a Millionaire, including the three phases of wealth: building, protecting, and distributing, plus the money leaks that derail families over time. We close with a candid warning I learned from being a soccer novice who could still “look like an expert” to outsiders: don’t confuse marketing with competence. If you’re trusting someone with your life savings, do your homework. Subscribe, share this with a friend who’s planning retirement, and leave a review so more families can hear the message. Send us Fan Mail To learn more about Brad Pistole and the Ozark Retirement Group, please visit www.ozarksretirement.com

See All (163)

4.3
out of 5
28 Ratings

About

Brad Pistole, RICP®, and the Ozarks Retirement Group help pre-retirees and retirees turn savings into reliable monthly income. Each episode covers Social Security timing, tax-efficient withdrawals, sequence-of-returns risk, guaranteed lifetime income, Medicare/IRMAA, and the questions you must answer before you retire. Practical planning from the longest-running retirement show in the Ozarks—now The Ozarks Retirement Show. ozarksretirement.com

Information

  • Creator
    Brad Pistole
  • Years Active
    2022 - 2026
  • Episodes
    163
  • Rating
    Clean
  • Copyright
    © 2026 Ozarks Retirement Show
  • Show Website
    Ozarks Retirement Show

You Might Also Like