Finance on the Fly with Rizek Housari CPA, CFP®

Rizek Housari
  • 5.0 (3)
  • Investing
  • Updated Weekly

Join Rizek Housari on Finance on the Fly, where complex financial concepts meet real-time insights and practical advice. Whether you're a seasoned investor or just starting out, Rizek breaks down the world of finance in an easy-to-understand way, offering quick, actionable tips for everyday financial success. From market trends to personal finance hacks, this podcast covers it all — on the fly, with no fluff. Tune in and stay ahead in the fast-paced world of finance!

  1. 10/31/2025

    Inside your 401k: Target Date Funds Unveiled

    Target date funds promise simplicity—just pick the year you plan to retire and let the fund do the rest. But are they really the best fit for your retirement strategy? In this episode, we break down how target date funds work, their pros and cons, and why they might not always align with your goals once you’re nearing or in retirement. You’ll learn how these “set it and forget it” investments manage risk, adjust over time, and where they often fall short when it comes to taxes, income planning, and diversification. Based on strategies from Rizek’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth. Disclaimer: This podcast is for informational and educational purposes only and is not intended as financial, legal, or tax advice. Always consult a qualified professional before making investment or retirement decisions.

  2. 08/30/2025

    Simply Explained: Roth IRA

    💡 Why so many people love the Roth IRA:✅ Tax-free growth over your lifetime✅ Tax-free withdrawals in retirement✅ No required minimum distributions✅ Flexibility to pass wealth to heirs efficiently It’s a simple account with powerful long-term benefits.📘 From Finance on the Fly: Simple Strategies to Build Lasting Wealth Disclaimer: This content is for informational and educational purposes only. It is not financial, legal, or tax advice. Individual situations vary, and what’s right for one person may not be right for another. Always consult a qualified financial or tax professional before making decisions about investments, retirement accounts, or conversions.

  3. 08/28/2025

    Understanding Roth Accounts and Their Benefits

    Roth IRAs and Roth 401(k)s are some of the most powerful tools in retirement planning—yet many investors overlook their long-term benefits. In this episode, we unpack how Roth accounts work, why tax-free growth can be such a game-changer, and when it makes sense to contribute or convert. From managing future tax rates to reducing Required Minimum Distributions, Roth strategies can give you greater flexibility and control in retirement. Whether you’re nearing retirement or already there, this discussion will help you see Roth accounts not just as an investment option, but as a key piece of your retirement income strategy. Based on strategies from Rizek’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth. Disclaimer: This podcast is for informational purposes only and not financial, legal, or tax advice. Always consult a qualified professional before making financial decisions.

  4. 06/17/2025

    Proactive Tax Strategies for Retirement

    In this conversation, Rizek Housari discusses the critical importance of understanding taxable income and its implications for financial planning, particularly in retirement. He emphasizes the need for proactive tax strategies, such as Roth conversions and careful management of required minimum distributions (RMDs), to avoid unexpected tax burdens. Housari also highlights the significance of account allocation over investment allocation and encourages comprehensive financial planning that integrates tax considerations.takeaways Taxable income is a key factor in determining your tax bracket.Having diverse income sources provides more flexibility in tax planning.Proactive tax planning can lead to long-term savings.Roth conversions can be beneficial for tax efficiency over time.Required minimum distributions can surprise many retirees.Investment allocation is important, but account allocation is crucial.Smoothing out taxable income can prevent higher tax brackets.Tax planning should be prioritized alongside investment strategies.Understanding tax principles is essential for effective financial planning.Comprehensive financial planning includes both tax and investment strategies.00:00Understanding Taxable Income and Its Impact02:50The Importance of Income Planning in Retirement06:05Strategic Withdrawals: Smoothing Taxable Income08:01Integrating Tax Planning with Investment Strategies

  5. 06/14/2025

    Healthcare Costs in Retirement: How to Use HSAs to Save Big on Taxes

    Healthcare might be one of your biggest expenses in retirement—but it can also be one of your biggest tax-saving opportunities. In this episode, we explore how to plan for rising healthcare costs without derailing your retirement plan, and how to take full advantage of Health Savings Accounts (HSAs)—one of the most powerful and underused tax shelters available. 💡 You’ll learn: What healthcare expenses to expect in retirement How HSAs work—and why they’re better than Roth IRAs for certain costs Tax-free growth, tax-free withdrawals, and how to maximize both Why you should avoid touching your HSA until retirement Smart healthcare planning isn't just about coverage—it's about controlling costs and leveraging tax-efficient tools. 📘 Based on strategies from Rizek Housari’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth. Disclaimer: This podcast is for informational purposes only and does not constitute financial, legal, or tax advice. Please consult your advisor before making financial decisions.

  6. 06/09/2025

    Nearing retirement? Don’t let taxes and poor planning eat away your wealth

    Many retirees lose track of old accounts—and the IRS won’t remind you. In this episode, we unpack the real risks of forgetting to take Required Minimum Distributions—especially from old or forgotten retirement accounts. If you're in your 70s or caring for a spouse who is, this is a mistake you can't afford to make. Based on strategies from Rizek Housari’s book Finance on the Fly: Simple Strategies to Build Lasting Wealth—a practical guide for turning retirement savings into tax-smart income. Disclaimer: This podcast is for informational purposes only and does not constitute financial, legal, or tax advice. Please consult your advisor before making financial decisions.

  7. 06/07/2025

    Roth or Traditional — which one’s right for you?

    It’s one of the most common retirement planning questions — and getting it wrong could mean paying more taxes than you need to. If you’re in your 50s or 60s and want to make smarter choices now and in retirement, my book Finance on the Fly breaks it down in plain English. 👉 Check out the link in my bio to grab your copy — and drop your questions in the comments. I’m here to help you sort it out. Disclosures: This content is for informational purposes only and is not intended as financial, investment, legal, or tax advice. Always consult with a licensed professional regarding your individual situation. #RothVsTraditional #SmartRetirement #FinanceOnTheFly

  8. 06/07/2025

    How to Turn Savings Into Income Without Running Out

    Creating a retirement income plan is more than just “living off your savings.” It’s about choosing which accounts to draw from, when, and how much — while minimizing taxes and making your money last. If you’re in your 50s or 60s and want to avoid common missteps, my book Finance on the Fly walks you through how to turn your nest egg into a steady, tax-smart income stream. 👉 Find the book and free tools in the link in my bio — and start planning with clarity and confidence. Disclosures: This content is for informational purposes only and is not intended as financial, investment, legal, or tax advice. Always consult with a licensed professional regarding your individual situation. #RetirementIncome #SmartWithdrawals #RetireWithConfidence #Over50Finance #TaxSmartRetirement

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About

Join Rizek Housari on Finance on the Fly, where complex financial concepts meet real-time insights and practical advice. Whether you're a seasoned investor or just starting out, Rizek breaks down the world of finance in an easy-to-understand way, offering quick, actionable tips for everyday financial success. From market trends to personal finance hacks, this podcast covers it all — on the fly, with no fluff. Tune in and stay ahead in the fast-paced world of finance!

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