Ten Minutes Wealthier

Jason Branning
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  • Investing

Most people spend decades saving for retirement — and very little time thinking about how to actually live off what they've built. This podcast changes that. Ten Minutes Wealthier is brought to you by the team at Branning Wealth Management, a fee-only, fiduciary advisory firm. Our advisors bring deep specialties across retirement income planning, tax strategy, divorce and family transitions, athlete financial planning, aging, and business ownership — and each episode puts the right expertise in front of the right topic. Every episode covers one piece of the retirement income puzzle: how to create income that doesn't depend on the market, how to reduce taxes in retirement, when to claim Social Security, how to build a portfolio with a real job to do, and more. Our approach is rooted in Safety-First retirement income planning — evidence-based, grounded in decades of research and real client experience, not financial industry trends or product pitches. New episodes at branwealth.com.

  1. 1d ago

    Episode 14: Charitable Giving: It’s Not Just How Much, It’s How

    Charitable Giving: It’s Not Just How Much, It’s How If you give to your church, your alma mater, or causes close to your heart, the way you give can matter as much as the amount. In this episode of Ten Minutes Wealthier, Johnson Rhett and Kelly Jennings of Branning Wealth Management walk through three strategies retirees may use to give more tax-efficiently: Giving appreciated investments: why donating stock directly, rather than selling it first, may help you avoid capital gains taxQualified Charitable Distributions (QCDs): how IRA owners age 70½ and older can give directly from their IRA, keep that distribution out of taxable income, and potentially satisfy their RMDDonor-advised funds and “bunching”: how combining several years of giving into one year may make itemizing worthwhile, while still supporting your charities on your usual scheduleThe goal isn’t to change who you give to or how much. It’s to help your giving fit into the rest of your financial plan. Wondering if Branning Wealth Management is the right fit for you? Find out here: Are We a Fit? Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan. This episode is for educational purposes only and is not individualized investment, tax, or legal advice. Please consult your tax professional about your specific situation.

  2. Oct 8 ·  Bonus

    Extra: Social Security - Separating Headlines From Reality

    Have you seen the headlines saying Social Security will run out in 2032? In this Ten Minutes Wealthier extra, Jason Branning explains what that projection actually means. The date marks the end of the retirement trust fund’s reserves, not the end of the program, and incoming payroll taxes are projected to cover about 78% of scheduled benefits even if Congress takes no action. Jason also walks through the options lawmakers have to close the gap, why claiming early out of fear could be a costly decision, and how stress testing your plan can help you prepare for a range of outcomes. Wondering if Branning Wealth Management is the right fit for you? Find out here: https://tally.so/r/OD9Lqa This episode is for educational purposes only and is not individualized investment, tax, or legal advice. Projections are estimates and subject to change. Adapted in part from “Social Security’s Funding Challenge” by Martha Shedden, Rethinking65.

  3. Oct 1

    Episode 13: Isn't Safety First Too Conservative? Your Questions, Answered

    In this episode of 10 Minutes Wealthier, Jason Branning and Kristi Tidwell answer the questions that come up most in conversations with prospective clients. They cover: Is a safety-first approach too conservative? Why a bond ladder sized to your actual income needs can mean holding more in stocks than a traditional 60/40 portfolio.Maturing bonds vs. living off interest. How each rung of the ladder is matched to planned expenses, and why holding individual bonds to maturity matters in a year like 2022.Why not just use a safe withdrawal rate? The research behind the 4% rule, and why we plan around how retirees actually spend in the go-go, slow-go, and no-go years.Planning instead of reacting. Why we build for market downturns up front rather than making changes when headlines turn scary.The goal isn't to outperform the market. It's a plan built so you don't have to ask the market for permission to retire. Wondering if our approach is right for you? See if you're a fit: https://tally.so/r/OD9Lqa Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan. This podcast is for informational purposes only and is not individualized investment advice. Examples are hypothetical. Investing involves risk, including possible loss of principal.

  4. Sep 23

    Episode 12: Is Cash Really the Safe Choice?

    See If We're A Fit The Safest Investment Might Be the Riskiest One Most people define risk as a stock market crash, red numbers on the news, a portfolio balance dropping for a few months. But on this episode of Ten Minutes Wealthier, Johnson Rhett and Kelly Jennings make the case that risk isn't really about volatility, it's about time horizon. Johnson and Kelly walk through the three core asset classes, cash, bonds, and stocks, and explain why what feels safest today (cash) can quietly become the riskiest choice over time, while what feels volatile in the short run (stocks) can be one of the safest bets over a decade or more. Using real examples, including a simple thought experiment about investing in a friend's coffee shop, they break down concepts like inflation risk, interest rate risk, and the equity risk premium in plain language. The big takeaway: the biggest mistake isn't picking the wrong investment, it's matching the wrong asset to the wrong timeline. Kelly references a chart in this episode. You can view it here: Market Risk Slide Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan. Educational content only, not personalized investment advice. Examples are hypothetical. Investing involves risk, including possible loss of principal.

  5. Sep 17

    Episode 11: Three Things to Do Within Five Years of Retirement

    See If We're A Fit If you're within five years of retirement, the questions start getting louder. When do I take Social Security? When can I actually retire? How much can I spend? What if the market drops right after I stop working? Sam Buchanan, CFP®, and Johnson Rhett, CFP®, ChFC®, walk through three shifts that matter most in that window — and why the strategy that got you here isn't the one that carries you through. In this episode: Set it and forget it is no longer a strategy. A durable, hands-off approach works well during your accumulation years. Applied to your entire financial life as retirement approaches, it leaves the biggest questions unanswered — and most people aren't actually forgetting about it. They're thinking about it constantly. Stop consuming, start planning. Reading another article or watching another forecast feels like progress. It isn't the same as having answers specific to your situation, your goals, and your tax picture. Reframe what retirement is for. The magic number isn't magic. People with $500,000 and people with $10 million ask the same questions. Three questions worth sitting with before you set a date — including whether you're retiring toward something or away from something. Build the retirement paycheck. Your portfolio's job changes when the paychecks stop. The only benchmark that matters is whether you're on track for your goals — not what the index did. For more on how the income structure works, listen to Episode 2 on bond ladders. Branning Wealth Management is a fee-only fiduciary firm with offices in Jackson, Mississippi and Chapel Hill, North Carolina, serving clients nationwide. Learn more at branwealth.com. Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan. This episode is for educational purposes only and does not constitute investment, tax, or legal advice. Consult your tax professional regarding your situation.

  6. Aug 10

    Episode 10: Before We Invest a Single Dollar

    See If We're A Fit Most people walk into a wealth management firm expecting one thing: hand over the money, get high returns. Kelly Jennings puts that assumption to Johnson Rhett directly — and the answer surprises a lot of people. In this episode, Johnson walks through what actually happens when you work with Branning Wealth Management: the two-phase structure of the Financial Planning Agreement and the Client Service Agreement, what the four-to-eight-week discovery process looks like, and why no portfolio gets built until the plan is in place. He also breaks down the three pillars of our Safety-First philosophy —> liability-driven investing, fee-only fiduciary structure, and goal-specific planning. He also explains the difference between fee-only and fee-based that most people have never had spelled out for them. Kelly closes with a question worth sitting with: are you invested in a way that has you reacting to whatever Wall Street did today, or do you have a plan that dictates what you own? Host: Johnson Rhett, CFP®, ChFC® & Kelly Jennings, CFP®, CDAA™ — branwealth.com Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan. Source(s): FeeOnlyNetwork.com, citing The Wall Street Journal — of roughly 295,000 U.S. professionals offering financial advice, fewer than 2% are fee-only advisors operating under a true fiduciary standard. Figures vary by source and methodology and may not reflect current industry data. Branning Wealth Management does not independently verify third-party data.

  7. Aug 3

    Episode 9: Is This the Right Fit for You?

    See If We're A Fit Nine episodes in, it's time to introduce the people behind the plan.   In this final episode of Ten Minutes Wealthier: Essentials, Jason Branning introduces the full BWM team — advisors who bring deep expertise across retirement income planning, tax strategy, divorce and family transitions, athlete financial planning, aging, and business ownership. Every person was brought on intentionally, so that whatever situation a client is facing, the right expertise is at the table.   This episode also covers what actually makes BWM different — fiduciary, fee-only, evidence-based, and integrated — and who the Safety-First approach works best for. Including an honest conversation about account minimums and what it looks like to work with BWM at any asset level.   If anything in this series resonated, this is the episode that answers: what do I do next?   Host: Jason Branning, CFP®, RICP® — branwealth.com Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan.

  8. Aug 3

    Episode 8: When All the Pieces Come Together

    See If We're A Fit This is the episode the whole series has been building toward.   The income floor. The tax strategy. Social Security. The growth portfolio. In this episode, Jason Branning pulls it all together — not as a recap, but as a picture of what it actually feels like when these pieces are working as one integrated plan.   There's a moment we see regularly with clients. Someone who has been carrying a low-level anxiety about retirement for years finally sits down with a plan that's fully laid out — and something shifts. Not excitement. Relief. The question they've been carrying for years — am I going to be okay? — finally has an answer.   This episode also includes five questions worth sitting with. If any of them give you pause, that's not a problem. That's a signal that there's work worth doing.   Host: Jason Branning, CFP®, RICP® — branwealth.com Music Credits: Original music composed and produced by Johnson Rhett & Jennings Duncan.

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About

Most people spend decades saving for retirement — and very little time thinking about how to actually live off what they've built. This podcast changes that. Ten Minutes Wealthier is brought to you by the team at Branning Wealth Management, a fee-only, fiduciary advisory firm. Our advisors bring deep specialties across retirement income planning, tax strategy, divorce and family transitions, athlete financial planning, aging, and business ownership — and each episode puts the right expertise in front of the right topic. Every episode covers one piece of the retirement income puzzle: how to create income that doesn't depend on the market, how to reduce taxes in retirement, when to claim Social Security, how to build a portfolio with a real job to do, and more. Our approach is rooted in Safety-First retirement income planning — evidence-based, grounded in decades of research and real client experience, not financial industry trends or product pitches. New episodes at branwealth.com.

Information

  • Creator
    Jason Branning
  • Years Active
    2026
  • Episodes
    15
  • Rating
    Clean
  • Copyright
    © 2026 Jason Branning

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