On Course Financial - Charting your Financial Future

Chris Brumlow

On Course Financial: Charting Your Financial Future is a practical, planning-focused podcast for small business owners and individuals who want clarity, confidence, and direction in their financial decisions. Hosted by Chris Brumlow, partner at The BAB Group, the show explores the real-world intersection of business finances, tax strategy, retirement planning, and long-term wealth management. Each episode breaks down complex financial topics into clear, relatable conversations — helping listeners move from reacting to their numbers to planning with intention. This podcast is not about chasing market headlines or quick wins. It’s about understanding where you are financially, identifying what matters most, and building a plan that adapts as your life, business, and goals change. Whether you’re growing a business, preparing for retirement, or navigating major financial transitions, On Course Financial helps you stay informed, stay flexible, and stay on course

  1. Apr 29

    Episode 13 - America's Fiscal Crisis: What David Walker Saw Coming — And Why It Matters

    The episode discusses the financial warnings and predictions made by David Walker in 2010 and compares them to the current state of the nation in 2026. It covers topics such as the national debt, Social Security, Medicare, tax reform, and the importance of financial planning for retirement. Takeaways Fiscal warnings from 2010 are relevant todayRetirement planning should consider tax, healthcare, and income diversification Chapters 00:00 The Call for Stewardship and Takeaways

    21 min

  2. Apr 28

    Episode 14 - The last mile, 10 years before retirement

    In this episode, Chris Brumlow discusses the critical importance of pre-retirement planning, highlighting the 55 to 65 age range as a wealth-building window. He covers the five financial dials, income replacement ratio, distribution planning, the Secure Act 2.0, and the super catch-up provision, as well as the importance of avoiding the coasting trap. Takeaways Pre-retirement planning is crucialThe 55 to 65 age range is a wealth-building window Chapters 00:00 Avoiding the Coasting Trap

    11 min

  3. Apr 21

    Episode 12 Social Security Claiming

    Understanding the complexities of Social Security claiming decisions, including the impact on lifetime benefits, tax implications, and integration with broader retirement income planning. Takeaways Social Security claiming decisions should be made in the context of other income sources, tax situations, and spouse's situation.A comprehensive retirement income planning conversation that includes Social Security is essential for making informed claiming decisions. Chapters 00:00 Key Takeaways and Next Steps

    9 min

  4. Apr 13

    Episode 11 - 3 Tax Buckets and Your Retirement

    Episode Title: The Three Tax Buckets — Which One Is Yours? In this episode, Chris Brumlow breaks down the Three Tax Buckets framework — the foundation of tax-smart retirement planning. Learn the difference between taxable, tax-deferred, and tax-free savings — and why having the right balance across all three could save you hundreds of thousands in retirement taxes. What you'll learn: •  The three tax treatments for retirement savings and how each works •  Why most Americans are dangerously over-concentrated in the tax-deferred bucket •  How Roth conversions can shift money to tax-free status before it's too late •  Real-world examples of retirement tax planning in action •  The role of flexibility — and why bucket balance beats bucket size Resources & Next Steps: •  Free Retirement Tax Review: babcfo.com •  Email: chrisb@babcfo.com •  Connect: The BAB Group, LLC — Alpharetta, GA | Fayetteville, GA | Brandon, FL | Tampa, FL

    12 min
  5. Episode 10 - Goverment Fiscal Policy and your Retirement Plans

    Feb 11

    Episode 10 - Goverment Fiscal Policy and your Retirement Plans

    The podcast challenges the assumption that taxes will be lower in retirement using real fiscal data. It discusses the impact of government fiscal programs and fiscal sense on retirement planning, tax rate risk, and the implications of long-term fiscal trends on retirement planning strategies. Takeaways Tax rate risk challenges the assumption of lower taxes in retirement.Understanding the impact of long-term fiscal trends on retirement planning is essential.

    14 min
  6. Episode 9 - Roth Conversions - Silver Bullet?

    Feb 4

    Episode 9 - Roth Conversions - Silver Bullet?

    The podcast introduces the On Course Financial series and delves into the strategic use of Roth conversions, addressing misconceptions, the basics, when they make sense, when they may not, their role in retirement income, and the right way to think about them. The conclusion emphasizes the importance of individualized planning and consulting with a tax professional for financial decisions. Takeaways Roth conversions are a strategic financial planning toolRoth conversions require intentional and strategic use Chapters 00:00 Introduction to On Course Financial Podcast05:22 When Roth Conversions Make Sense

    12 min
  7. Episode 8: Retirement is a Paycheck Problem

    Jan 28

    Episode 8: Retirement is a Paycheck Problem

    The podcast episode explores the intersection of business, taxes, retirement, and life planning, focusing on income and retirement planning, managing retirement risks, misconceptions about net worth, the importance of income planning, market risk and retirement, the role of income security, the significance of retirement paycheck, key questions for retirement income planning, and retirement confidence and income planning. Takeaways Retirement planning involves managing multiple risks.Income planning is crucial for retirement confidence. Chapters 00:00 Introduction to On Course Financial05:40 Key Questions for Retirement Income Planning

    9 min
  8. How Tax Deferal can become a Trap in Retirement

    Jan 21

    How Tax Deferal can become a Trap in Retirement

    The podcast explores the deceptive appeal of tax deferral, the hidden assumptions and traps associated with it, and the impact of RMDs, Medicare premiums, and Social Security taxation on retirement income. It emphasizes the power of pre-retirement planning and the importance of understanding taxation and choices. Takeaways Tax deferral can be deceptive and lead to unexpected financial challenges in retirement.Pre-retirement planning and understanding taxation are crucial for effective retirement income management. Chapters 00:00 The Deceptive Appeal of Tax Deferral05:22 Retirement Income and Tax Sequencing

    10 min
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About

On Course Financial: Charting Your Financial Future is a practical, planning-focused podcast for small business owners and individuals who want clarity, confidence, and direction in their financial decisions. Hosted by Chris Brumlow, partner at The BAB Group, the show explores the real-world intersection of business finances, tax strategy, retirement planning, and long-term wealth management. Each episode breaks down complex financial topics into clear, relatable conversations — helping listeners move from reacting to their numbers to planning with intention. This podcast is not about chasing market headlines or quick wins. It’s about understanding where you are financially, identifying what matters most, and building a plan that adapts as your life, business, and goals change. Whether you’re growing a business, preparing for retirement, or navigating major financial transitions, On Course Financial helps you stay informed, stay flexible, and stay on course

Information

  • Creator
    Chris Brumlow
  • Years Active
    2K
  • Episodes
    14
  • Rating
    Clean
  • Copyright
    © 2025 Chris Brumlow