Retirement Planning Pipe-Line

AmeriLife Retirement.Radio Network

Welcome to the Retirement Planning Pipe-Line! Your go-to resource for smart, strategic retirement planning. Whether you're a few years from retirement or just getting serious about your financial future, Retirement Planning Pipe-Line delivers expert insights, actionable advice, and real-world strategies to help you retire confidently and comfortably. Hosted by Retirement Planning Specialist Charles “David” Pipes, this is the radio show and podcast that breaks down key topics like investment planning, tax strategies, Social Security optimization, estate planning, and more — all with a clear focus on helping you build a secure retirement. With years of Retirement Planning experience, Charles cuts through the noise, simplifies the complex, and guides you through the pipeline to a well-prepared retirement. No jargon. No hype. Just clear, practical guidance to help you take control of your future. Subscribe now and start building your retirement game plan — one episode at a time! Call: 850-565-1705

  1. 4d ago

    Retirement Products: The Good, the Bad and the Misunderstood — Understanding the Purpose, Costs, and Tradeoffs Behind Your Choices

    This week, Retirement Planning Specialist David Pipes explores how your investments, savings, and insurance can work together to support your retirement income, spending, and goals. Plus, David examines what financial guarantees actually protect and the fees, restrictions, and tradeoffs that can accompany them, and common assumptions about retirement products, guarantees, and financial recommendations! Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show! Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Jim and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone. Chapters (00:00:00) - Intro and Show Overview(00:01:54) - The Retirement Toolbox Concept(00:06:35) - Finding Gaps and Shopping for Advisors(00:11:15) - Recap and Consultation Offer(00:11:59) - Annuity Guide Ad Break(00:13:27) - Interview with Deb Wittman on The Second 50(00:19:21) - Welcome Back and Annuity Guide Reminder(00:20:17) - Guarantees: What They Cover and What They Cost(00:27:21) - Halloween and Financial Uncertainty Segment(00:30:13) - Quote of the Week and Reminders(00:31:14) - Good Product, Wrong Person(00:32:10) - Educating Clients and Personalized Plans(00:40:41) - Social Security COLA Announcement with Bill Sweeney(00:46:27) - Social Security Resources and Online Tools(00:48:44) - Right or Wrong Game Intro(00:49:11) - Right or Wrong: Coordinated Plans and Timing(00:52:17) - Right or Wrong: Annuities and Alternatives(00:56:26) - Closing Remarks and Disclaimers

  2. Oct 27 ·  Bonus

    Podcast Extra: AARP on Social Security’s COLA and the Road Ahead

    A bigger Social Security check doesn’t necessarily mean more breathing room in your budget. In this podcast extra, Retirement.Radio’s Matt McClure talks with Bill Sweeney, AARP’s senior vice president of government affairs, about the 2027 cost-of-living adjustment and the financial pressures facing retirees. They discuss why the annual increase may fall short of what many older Americans need, how Medicare premiums can affect that increase, and why Congress faces growing urgency to address Social Security’s long-term funding challenges. Sweeney also shares practical resources to help you review your earnings history, explore benefit estimates, and make more informed claiming decisions. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone. Chapters (00:00:00) - 2027 Social Security COLA Announcement(00:00:59) - How COLA Is Calculated and Senior Costs(00:02:11) - Seniors Struggling to Keep Up with Inflation(00:03:06) - Social Security Trust Fund and 2032 Insolvency Risk(00:04:24) - Electoral Stakes and Congressional Action(00:04:55) - Resources: Setting Up a My Social Security Account(00:06:40) - AARP Resources and Closing Thoughts

  3. Oct 23

    Protect and Grow: Why Retirement Requires a Different Playbook - Balancing Growth, Dependable Income, and Protection for the Years Ahead

    This week, Retirement Planning Specialist David Pipes discusses protecting your paycheck, plus, finding the right financial balance, and explaining why growth and protection matter in retirement. Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show! Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Jim and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone. Chapters (00:00:00) - Intro and Show Preview(00:01:58) - Protecting Against Retirement Risks(00:02:34) - Market Risk vs Income: Why They Don't Correlate(00:06:09) - Safety Net Funds for Unexpected Expenses(00:10:24) - Individualizing Your Retirement Plan(00:12:14) - Sponsor Break: Annuity Guide Offer(00:13:39) - Growth Without Unnecessary Risk(00:15:23) - Adjusting Your Portfolio as Retirement Nears(00:20:37) - No Risk to Income: Setting Up a Safe Plan(00:22:50) - Financial Scaries: Retirement Uncertainty Segment(00:25:42) - Quote of the Week and Interest Rate Intro(00:26:32) - Balancing Cash, CDs, Bonds and Annuities(00:30:10) - Client-First Advising vs Corporate Advisors(00:37:52) - Right or Wrong Game: Cash Reserves(00:39:58) - Right or Wrong Game: Annuity Rates(00:42:54) - Right or Wrong Game: All Cash and Static Plans(00:47:55) - Show Wrap-Up and Contact Info(00:49:20) - Disclosures and Annuity Guide Promo(00:52:26) - Social Security COLA 2027 Interview with Bill Sweeney

  4. Oct 14 ·  Bonus

    Podcast Extra: Avoiding the October Scaries

    This Halloween-themed financial vignette explores the financial fears many Americans face, from market volatility and inflation to unexpected expenses and retirement uncertainty. Featuring insights from interviews with financial industry leaders, this month's vignette offers a message of optimism and emphasizes how proactive retirement planning can help turn financial uncertainty into confidence. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone.

  5. Oct 6 ·  Bonus

    Podcast Extra with Jean Chatzky: Turning Retirement Savings into a Forever Paycheck

    You’ve spent decades saving for retirement—but how do you turn that money into income you can confidently spend? Retirement.Radio’s Matt McClure talks with bestselling author and AARP personal finance columnist Jean Chatzky about her new book, The Forever Paycheck. They explore why retirees often struggle to spend their savings, ways to build or buy a retirement paycheck, and how a dependable income plan can help you enjoy the money you’ve worked so hard to save. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone.

  6. Oct 2

    The Retirement Money Balancing Act - Managing Today’s Financial Pressure Without Sacrificing Tomorrow

    This week, Retirement Planning Specialist David Pipes discusses the retirement savings mistake nearly 90 percent of retirees make. Plus, David shares the simple habit behind a million-dollar 401(k). Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show! Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Jim and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone. Chapters (00:00:00) - Intro and Show Overview(00:01:53) - The Simple Habit Behind a $1M 401k(00:04:04) - Separating Income and Growth Buckets(00:07:18) - Building Wealth at 30, 40, 50: Aggressiveness and Diversification(00:11:59) - Wrap-Up: Consistency and Contact Info(00:13:05) - Break: Annuity Guide Offer(00:14:24) - Welcome Back and Annuity Guide Details(00:15:42) - When Today's Economy Squeezes Tomorrow's Retirement(00:17:29) - Controlling Expenditures and Hidden Spending Habits(00:21:42) - Savings Mindset, Discipline, and Generational Differences(00:25:05) - Wrap-Up and Call to Action(00:26:05) - Retirement Radio Network: The Unexpected Expense Story(00:28:33) - Quote of the Week: Nick Saban(00:30:07) - Right or Wrong Game: Retirement Myths Tested(00:35:51) - Break and Annuity Guide Reminder(00:38:06) - The Retirement Savings Mistake 90% of Retirees Make(00:39:31) - Shifting the Mindset from Saving to Spending(00:44:22) - Helping Clients Start Spending: Small Steps(00:47:33) - Closing Thoughts and Show Wrap-Up(00:49:23) - Disclaimers and Legal Information(00:51:17) - Back to School Spending in an Inflationary Economy(00:53:45) - Teaching Teens Budgeting and Credit Basics(00:56:03) - Building Credit Responsibly for Teens(00:57:32) - Emergency Funds and Finding Hidden Savings

  7. Sep 25

    Keep More of What You’ve Built - Wealth-Preservation Habits, Smarter Tax Planning and the Latest Social Security Forecast

    This week, Retirement Planning Specialist David Pipes discusses the five habits for lasting wealth, plus Roth conversions, and withdrawal coordination, and a breakdown of the Social Security’s Projected 2027 Boost. Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show! Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Jim and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone. Chapters (00:00:00) - Intro and Show Overview(00:01:58) - Don't Waste Your Low Tax Years in Retirement(00:06:38) - Understanding Roth Conversions and When They Make Sense(00:10:09) - Closing Tax Planning Thoughts and Call to Action(00:11:12) - Break and Annuity Guide Offer(00:12:50) - Back from Break, Show Reminders(00:14:30) - Right or Wrong Game Round One: Retirement Taxes and Roth Conversions(00:19:14) - Social Security 2027 COLA Estimate(00:22:47) - Retirement Radio Network: The Unexpected Expense Story(00:25:12) - Quote of the Week(00:26:21) - Right or Wrong Round Two: RMDs, IRMAA, and Tax Goals(00:31:35) - Emergency Savings Interview with Rod Griffin (Experian)(00:39:41) - Annuity Guide Reminder and Segment Intro(00:41:17) - Five Habits That Help Wealthy Retirees Stay Wealthy(00:48:29) - Creating an Income Floor and Closing Thoughts(00:50:41) - Show Wrap-Up and Disclaimers(00:53:02) - AARP Interview: Older Workers, AI, and the Job Market

  8. Sep 18

    Fall Financial Checkup – Prepare Your Retirement for the Fall Season - Smart Retirement Moves to Make In the Final Quarter of 2027

    With winter just a couple of months away, are your retirement ready? This week, Retirement Planning Specialist David Pipes breaks down the keys to solidifying your portfolio before the winter months. Plus, year-end tax planning strategies, and giving your portfolio a fall financial cleanup! Enjoying the podcast? Leave a 5-star rating and review - it helps more people find the show! Don’t miss this episode if you’re looking to further secure your financial future. Make sure to subscribe to the Retirement Planning Pipe-Line Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with David and Jim and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen LIVE every Saturday at 8 AM CST: WCOA News Talk 104.9 FM and 1370 AM Visit our website: https://retirementpipeline.com/ Listen to the podcast: https://retirementpipeline.com/podcast Subscribe on YouTube: www.youtube.com/@retirementplanningpipeline --- Connect with Charles “David” Pipes: Phone --- 850-565-1705 Email --- Charles.Pipes@Amerilifeagent.com Website --- https://retirementplanningpipeline.com/ LinkedIn --- https://www.linkedin.com/in/charles-pipes Like, Comment, and Subscribe for more content on retirement planning, financial strategies, wealth building, and income planning. --- Charles “David” Pipes is a highly respected retirement planning specialist based in South Alabama, known for his analytical precision and client-focused approach. With dual degrees in Actuarial Science and Statistics, David brings a strong mathematical foundation to every financial strategy he designs. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals planning for retirement security and strategizing income. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind in their retirement years. His deep understanding of risk, probability, and long-term forecasting has made him a trusted professional for individuals seeking retirement security and reliable income strategies. David combines technical expertise with a personal commitment to helping clients achieve financial peace of mind throughout their retirement years. -- Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and AmeriLife are separate companies but are affiliated through common ownership. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure products, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone.

About

Welcome to the Retirement Planning Pipe-Line! Your go-to resource for smart, strategic retirement planning. Whether you're a few years from retirement or just getting serious about your financial future, Retirement Planning Pipe-Line delivers expert insights, actionable advice, and real-world strategies to help you retire confidently and comfortably. Hosted by Retirement Planning Specialist Charles “David” Pipes, this is the radio show and podcast that breaks down key topics like investment planning, tax strategies, Social Security optimization, estate planning, and more — all with a clear focus on helping you build a secure retirement. With years of Retirement Planning experience, Charles cuts through the noise, simplifies the complex, and guides you through the pipeline to a well-prepared retirement. No jargon. No hype. Just clear, practical guidance to help you take control of your future. Subscribe now and start building your retirement game plan — one episode at a time! Call: 850-565-1705

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