Make It Personal Podcast

Mutual of Omaha Advisors

Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

  1. 15H AGO

    The Truth About Reverse Mortgages (It’s Not What You Think)

    Reverse mortgages have a reputation, and not a good one. Many people believe they’re risky, predatory, or only for those in financial trouble. But is that actually true? In this episode of Make It Personal, we break down the real story behind reverse mortgages, separating fact from fiction so you can make smarter retirement decisions. If you’re a homeowner nearing retirement or already retired, your home equity may be one of your largest untapped assets. Yet it’s often ignored in retirement planning conversations. This episode explores when a reverse mortgage might actually make sense, how it compares to other strategies like HELOCs or portfolio withdrawals, and what safeguards exist today to protect borrowers. We’re joined by industry expert Chris Bruser, who shares real-life examples, common misconceptions, and practical insights to help you understand how reverse mortgages really work. This is not about selling you on a strategy, it’s about giving you the clarity and confidence to make decisions based on facts, not fear. You’ll Learn: → You’ll learn what a reverse mortgage actually is in plain English and how it differs from a traditional mortgage. The episode covers the biggest myths, like whether the bank owns your home or if your heirs lose everything, and explains the real impact on legacy planning. → We also dive into how reverse mortgages fit into a broader retirement income strategy, including when they may be a smart move versus when they should be avoided. You’ll hear real-world use cases, including how retirees use home equity to improve cash flow, fund healthcare, or reduce financial stress. → Finally, we break down the process, risks, and built-in protections like HUD counseling and non-recourse features so you can evaluate this option with a clear, informed perspective. → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    30 min
  2. APR 2

    Making Sense of Your HSA: What It Is, How It Works, and How to Get One| EP 65

    Could one account help you save on taxes, cover healthcare costs, and support your long-term financial goals?  In this episode of Make It Personal, we’re diving into the Health Savings Account, or HSA, a powerful but often misunderstood tool that can help you manage today’s healthcare costs and prepare for future ones. Whether you’ve heard the term or are already enrolled in a high-deductible health plan (HDHP), this is your guide to understanding what an HSA is, how it works, and how people typically get started. Host Mark Zagurski breaks it all down in real-life terms, from tax benefits to investment options, from eligibility to everyday use. You’ll learn the different ways an HSA can support your medical needs now, grow savings for later, and even provide flexibility in retirement. Key Takeaways: → An HSA offers triple tax benefits: contributions may be tax-deductible, growth is tax-deferred, and withdrawals for qualified medical expenses are tax-free. → Funds carry over year to year, no “use-it-or-lose-it” deadlines like other accounts. → Some providers allow investing HSA balances once a threshold is met, potentially growing your funds over time. → After age 65, non-medical withdrawals avoid penalties, though income tax may apply. → To open an HSA, you must be enrolled in a qualifying HDHP, and can typically do so through an employer, a financial institution, or your insurance provider. “Healthcare choices aren’t just about premiums and deductibles, they’re about your peace of mind, your family, and your financial well-being.” 🩺 Curious whether an HSA fits into your healthcare and financial strategy? Visit makeitpersonalpodcast.com to connect with a Mutual of Omaha advisor who can walk you through your options. And don’t forget to subscribe and share this episode with someone weighing their health plan choices. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    6 min
  3. MAR 26

    You Asked: Addressing Inflation in Retirement| EP 64

    What if the greatest threat to your retirement isn’t market loss… but rising prices over time? In today’s “You Asked” episode of Make It Personal, we dive into a smart question from listener Kurt: “Do we need to plan for inflation in retirement, even if we’ve saved well?” The answer is a resounding yes. Because when retirement lasts 20, 30, or even 40 years, inflation becomes more than a background factor, it becomes a silent force that can erode your lifestyle, dollar by dollar. We unpack why inflation matters, even at modest levels, and how small percentage increases can compound into major cost jumps over time. But don’t worry, there are proven ways to plan ahead and protect your purchasing power. From smart withdrawal strategies to growth-focused investments, and from inflation-sensitive tools like TIPS to annual plan reviews, you’ll hear how to approach inflation with clarity and confidence, so your money can keep up with the life you want to live. Key Takeaways: → Even 3% annual inflation can double your cost of living over a 30-year retirement. → Adjusting withdrawals annually (instead of using a flat amount) helps preserve purchasing power. → Keeping some growth investments (like stocks or TIPS) in retirement can help outpace inflation. → Inflation-linked tools, like certain annuities or bonds, can act as a hedge during cost spikes. → Annual reviews and adjustments are key to staying flexible and financially secure over time. “Inflation is a quiet risk, but with the right strategy, you don’t have to let it steal your future.” 📩 Have a question like Kurt’s? Email us at makeitpersonal@mutualofomaha.com and if this episode helped you think differently about your retirement strategy, subscribe, share, and connect with an advisor at makeitpersonalpodcast.com. Planning for inflation is planning for peace of mind. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    3 min
  4. MAR 19

    The Reverse Retirement: Redefining Purpose Post-Career| EP 63

    What if retirement wasn’t about slowing down… but stepping into something greater? In this episode of Make It Personal, we’re rewriting the retirement playbook, and flipping old assumptions on their head. Forget the outdated picture of golf carts and idle time. This is Reverse Retirement, a bold, purpose-driven approach to your post-career years, where meaning, creativity, and even new income streams take center stage. We explore how people are living longer, healthier lives, and how retirement today is less about winding down and more about relaunching. Whether it’s picking up a long-forgotten passion, starting a side venture, consulting, creating, or volunteering, this season of life can be a launchpad for joy, connection, and fresh possibilities. And yes, even financial opportunity. More than just a mindset shift, Reverse Retirement is also a strategic move. Every dollar earned in purpose-driven work is a dollar you don’t have to withdraw, meaning your portfolio lasts longer, and your options expand. It’s about doing what lights you up while keeping your future flexible. Key Takeaways: → Reverse Retirement redefines retirement as a time for renewed purpose, creativity, and contribution. → Pursuing passion projects or part-time income can extend your savings and energize your days. → Social connection and mental engagement are vital, and often found through meaningful work or community. → A “purpose week” plan can help you visualize how you’d fill your time with joy and intention. → A thoughtful financial plan ensures your money supports the life you want, not the one tradition says you should live. “Retirement isn’t an ending, it’s an opportunity. And with the right plan, you can make it truly personal.”  Inspired to rethink your next chapter? Share this episode with someone approaching retirement, subscribe for more fresh perspectives, or connect with a Mutual of Omaha advisor at makeitpersonalpodcast.com to design a Reverse Retirement that’s as bold as you are. → Download The Game of the Decade eBook → Download the Seven Principles eBook → Instagram → Facebook - Mutual of Omaha Advisors → Sign Up For a Free Financial Strategy Meeting Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    7 min
  5. MAR 12

    You Asked: Will Long-Term Care Needs Drain Retirement Savings?| EP 62

    You’ve saved for retirement. You’ve followed the plan. But what happens if a long-term care need enters the picture, and threatens to unravel everything? In this special “You Asked” episode of Make It Personal, we’re answering a heartfelt question from listener Barb: “If we’ve done the right things and saved enough, could long-term care still drain our retirement savings?” It’s a question more and more families are asking, and one you can’t afford to ignore. We explore why long-term care costs are rising sharply, with private nursing home care topping $120,000 per year, and how those expenses can derail even the most well-funded retirement plans. But the good news? You’re not powerless. We walk through practical, real-life strategies that can help protect your financial future while still offering the care your family might one day need. From traditional long-term care insurance to hybrid options that blend protection with flexibility, this episode is about building a plan that doesn’t just assume the best, but prepares for the unexpected. Key Takeaways: → Long-term care costs can significantly impact retirement savings, especially without a plan. → LTC insurance can act as a safety net, helping you cover care without draining your nest egg. → Hybrid policies (life insurance or annuities with LTC riders) offer flexible options for dual protection. → Partial self-funding can be part of a balanced strategy, reducing the need for full insurance. → Ongoing conversations with your spouse and advisor keep your plan current as life evolves. “Even if you’ve done everything right, a long-term care event can stretch savings fast, unless you plan ahead.” 💡 Have your own question? Email us at makeitpersonal@mutualofomaha.com and don’t forget to subscribe and share this episode with someone who’s thinking ahead about their retirement future. Because peace of mind starts with a plan. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    3 min
  6. MAR 5

    How Fixed Indexed Annuities Help Address Sequence of Returns Risk| EP 61

    What if it’s not just how much you earn in retirement, but when you earn it, that makes all the difference? In this episode of Make It Personal, we dive into a critical but often overlooked challenge in retirement planning: Sequence of Returns Risk. Through the real-life stories of Linda and James, two retirees with similar savings and returns, but drastically different outcomes, we explore how timing can either protect or derail your financial future. You’ll learn how market losses early in retirement can create long-term damage, especially when you’re drawing income and selling investments at the wrong time. That’s where Fixed Indexed Annuities (FIAs) come in, tools designed to offer growth tied to a market index while shielding against market downturns, based on contract terms. We break down how FIAs can play a key role in a “bucket strategy” for retirement, offering a stable middle ground in those vulnerable early years. You’ll also hear how optional lifetime income riders can provide predictable income when markets dip, reducing pressure and adding flexibility to your plan. Key Takeaways: → Sequence of Returns Risk is real, poor market timing early in retirement can shrink portfolios fast. → FIAs offer downside protection, which can help preserve your assets during market declines. → Bucket strategies use FIAs for short-to-mid-term needs, buying time for investments to recover. → Optional income riders can provide steady income, regardless of market performance. → FIAs come with specific features and costs, so understanding the contract is essential. “It’s not just how much return you earn, it’s when you earn it.”  Want to explore whether a Fixed Indexed Annuity fits into your retirement plan? Visit makeitpersonalpodcast.com to connect with an advisor who can walk you through your options, clearly and personally. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    4 min
  7. FEB 26

    There’s Moore to Life: Living for Today While Saving for Tomorrow| EP 60

    What if your greatest financial breakthrough doesn’t start with more money, but with a better plan? In this inspiring real-life episode of Make It Personal, we meet Martin and Natascha Moore, a couple juggling work-from-home jobs, three young kids, and over $20,000 in credit card debt. Their house was tight, their budget tighter, and their dreams felt just out of reach. But with the right mindset and the right steps, they turned things around, not by winning the lottery, but by building a plan grounded in clarity, protection, and creativity. You’ll hear how this young California family took small but intentional actions to regain control of their finances. From cutting back on everyday expenses to strategically using life insurance and discovering an unexpected income stream, the Moores show us what’s possible when you stop surviving and start planning. This isn’t a story about perfection, it’s a story about progress. It’s about how the right guidance can open doors you didn’t even know were there. Key Takeaways: → A clear roadmap, even with small steps, can reduce stress and create real momentum. → Life insurance isn’t just protection; it can also be a long-term planning tool. → Creative thinking, like short-term rentals, can unlock new income without major lifestyle changes. → Consistent habits matter more than drastic overhauls. → You don’t need a perfect financial situation, just the willingness to start. “Sometimes the solution isn’t cutting, it’s creating.”  Feeling stuck or unsure where to begin? Visit makeitpersonalpodcast.com for free tools, eBooks, and a way to connect with someone who can help you start your journey, wherever you are. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    7 min
  8. FEB 19

    The Financial Advice I’d Give My 51-Year-Old Self | EP 59

    In this episode of Make It Personal, we step into a unique perspective: what would I say to my 51-year-old self, not from the view of retirement, but right in the middle of the journey? If you’re in your 40s or 50s and wondering whether you’re really on track, this conversation is for you. Unlike advice from retirees looking in the rearview mirror, this episode speaks from the front lines of real life, career pressure, family responsibilities, and a future that’s still unfolding. We unpack why this decade is not just another checkpoint, but a critical opportunity to act with clarity, intention, and courage. You’ll hear practical steps for maximizing savings, planning proactively for taxes, updating insurance and estate documents, and shifting the focus from chasing "more" to defining "enough." Because at this stage, it's not about chasing perfection, it's about consistent, wise decisions while you still have levers to pull. Key Takeaways: → Clarity replaces assumptions in your 50s, it’s time to stop thinking “someday” and start planning purposefully. → Savings rate and automation often matter more than chasing high returns. → Tax planning now means avoiding surprises later, Roth opportunities and account mix are key. → Protection shifts focus, from just income to momentum, family, and long-term care needs. → Defining “enough” on your terms guards your values from being shaped by comparison. “At 51, the most powerful advice isn’t about what you’ve already done, it’s about intentional action while choices still matter.” Want to dig deeper? Download our free eBook “THE GAME OF THE DECADE: Seven Plays for Winning the Most Important Ten Years to Retirement Success” at www.makeitpersonalpodcast.com. And if this episode hit home, subscribe, share, or start a conversation with a trusted advisor today. Your future is too important to leave to chance. Connect with Mutual of Omaha Advisors through the following links: → Download The Game of the Decade eBook: https://makeitpersonalpodcast.com/free-ebook-page-2 → Download the Seven Principles eBook: https://makeitpersonalpodcast.com/free-ebook-page?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal → Instagram: https://www.instagram.com/makeitpersonal_podcast/ → Facebook - Mutual of Omaha Advisors: https://www.facebook.com/MutualofOmahaAdvisorsFB → Sign Up For a Free Financial Strategy Meeting: https://makeitpersonalpodcast.com/get-connected/?utm_source=podcast&utm_medium=allplatforms&utm_mediacode=FCF&utm_campaign=makeitpersonal -- Investing involves risk, including loss of principal.  This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Please consult with the appropriate professional regarding your personal situation prior to making any financial decisions.  Strategies discussed may not be suitable for everyone.   Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Mutual of Omaha Advisors is a division of Mutual of Omaha Insurance Company.

    5 min

Trailer

5
out of 5
14 Ratings

About

Disclosure: This podcast is for educational purposes only. Strategies discussed may not be suitable for everyone. Mutual of Omaha Investor Services, Inc. does not provide tax or legal advice. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC (www.finra.org) /SIPC (www.sipc.org). This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Not all Mutual of Omaha Financial Representatives are Financial Advisors. https://makeitpersonalpodcast.com/get-a-quote

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