Retirement With/On Purpose

Trevor Lawson
  • 5.0 (9)
  • EDUCATION
  • UPDATED WEEKLY

A podcast designed to help retirees and those nearing retirement navigate finances and life planning with expert insights from financial advisor Trevor Lawson. Tune in for practical strategies and inspiring ideas to ensure your retirement years are purposeful, fulfilling, and truly your best chapter yet. *Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

  1. APR 20

    RMD Timing Strategies: Maximizing Your Retirement Distributions

    How do retirees optimize tax-deferred growth and portfolio longevity? Host Trevor Lawson evaluates three distinct approaches for 2026: delaying withdrawals until year-end to maximize tax-deferred compounding , taking distributions early in the year to eliminate penalty risks and facilitate Roth IRA conversions , or utilizing a systematic monthly or quarterly "installment" method to mitigate market volatility. By analyzing hypothetical scenarios and the "surgical" rebalancing of appreciated assets, Lawson provides a comprehensive guide for retirees and DIY investors to move beyond the year-end rush and align their IRA withdrawal strategies with their long-term financial goals. Reference:https://www.morningstar.com/retirement/retirees-should-you-take-rmds-early-year-or-wait Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    15 min

  2. APR 6

    Cracking the Code on Estimated Tax Penalties

    Trevor Lawson tackles a timely and often expensive issue for retirees and business owners: the surge in underpayment penalties for estimated taxes. With penalty rates nearly doubling since 2021, Lawson explains how taxpayers with non-withholding income—such as investment gains, self-employment earnings, or Roth IRA conversions—can inadvertently trigger interest-based charges by failing to pay taxes quarterly. The discussion outlines essential "safe harbor" strategies to avoid these costs, including paying 90% of the current year’s tax or 100-110% of the prior year’s tax in equal installments. Lawson shares a pro tip for retirees: using late-year IRA withdrawals with high tax withholding to satisfy annual liabilities, as the IRS treats these withheld amounts as if they were paid evenly throughout the year. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    11 min

  3. MAR 23

    Beyond the 529: Navigating College Savings Alternatives

    Trevor Lawson explores flexible alternatives to the traditional 529 plan for families wary of tying up funds exclusively for higher education. While acknowledging the 529's tax advantages and new provisions for Roth IRA rollovers, Trevor evaluates the pros and cons of taxable brokerage accounts, Roth IRAs, custodial accounts (UGMA/UTMA), and cash-value life insurance. The discussion emphasizes the importance of balancing education funding with personal retirement security, noting that while students can borrow for college, retirees cannot borrow for their later years. Ultimately, the episode provides a framework for selecting a savings vehicle that aligns with a family's specific needs for financial aid eligibility, tax efficiency, and long-term flexibility. References:Four Alternatives to '529' Plans for College Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    9 min

  4. MAR 9

    Defeating the Double Whammy: Strategies for Sequence Risk

    Trevor Lawson revisits one of the most critical technical threats to a stable retirement: sequence of returns risk. By examining the work of retirement specialist Dr. Wade Pfau, the episode breaks down how the timing of market downturns—specifically in the years immediately surrounding one's retirement date—can have a more profound impact on portfolio longevity than average long-term returns. Lawson outlines four specific techniques to combat this risk: spending conservatively through tools like bond ladders, adopting flexible spending habits, reducing overall portfolio volatility via "bucket" strategies, and utilizing "buffer assets" like cash, home equity, or life insurance to avoid selling investments at a loss during market lows. References: 4 Ways To Beat Sequence of Returns Risk Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    11 min

  5. FEB 23

    The Mattering Span: Retirement’s Hidden Crisis

    Trevor Lawson explores the "mattering span," a critical but often overlooked dimension of retirement planning that focuses on the deep human need to feel seen, valued, and essential. Drawing on insights from author Jennifer Wallace, Lawson defines the "mattering crisis" as the destabilizing loss of purpose and social connection that occurs when the structure of a career is removed. The episode highlights that lifestyle planning—rather than just financial preparation—is the strongest predictor of retirement satisfaction. To combat this, Lawson suggests practical strategies such as the "power of invitation" and utilizing the three T’s (time, talent, or treasure) to meet genuine needs and regain a sense of being depended on by others. References:The New Retirement Crisis: MatteringSecurities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    12 min

  6. FEB 9

    Communicating Your Estate Vision

    Trevor Lawson explores the significant communication gap between parents and their heirs regarding estate planning and inherited wealth. While nearly all families recognize the importance of these discussions, a Fidelity study reveals that nearly half have yet to engage in them, often due to the discomfort of discussing mortality. Trevor emphasizes that proactive communication is essential to ensure that beneficiaries are prepared to be good stewards of their inheritance and that the giver's intentions are fully honored. To bridge this gap, he suggests utilizing financial advisors to facilitate family meetings, turning a potentially awkward conversation into a seamless transition of legacy and assets. References:Fidelity Study: https://newsroom.fidelity.com/pressreleases/fidelity--study-finds-the-great-wealth-transfer-leaves-families-poised-to-build-stronger-financial-f/s/3c72b6d3-9ab6-400a-95e7-f4b30e43db64 The 0.01% rule: https://www.wsj.com/personal-finance/small-spending-money-rule-wealth-ladder-c41a96f2?gaa_at=eafs&gaa_n=AWEtsqfzVGfGvSiT8FicIoxhtE6K1NHUGkb5UBOqOYW58AWQ5X4p5rRAsqaIUO5aeTM%3D&gaa_ts=694060ba&gaa_sig=jnkRdtDHt8fM_SbBQCZg2RgCVD4hvjEL4h0B5_HqCpRGY-SR08zJwhcUNRoYmDvzdJjqaGuORtdivN7R6oIBpQ%3D%3D Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    8 min

  7. JAN 26

    Building a Self-Sufficient Retirement

    Trevor Lawson explores the unique financial and logistical strategies necessary for a successful retirement without children. With child-free adults representing over 20% of those in their 50s and 60s, Lawson emphasizes the importance of building a "support team" of legal proxies or geriatric care managers to handle medical and financial decisions when you cannot. The discussion details critical steps for those lacking a traditional family safety net, including prioritizing long-term care insurance, earmarking funds for home modifications to age in place, and investing in social engagement to prevent isolation. References:Birds and Bees for Retirees: Families Need to Discuss Estate Planning: https://www.fa-mag.com/news/having-the-talk--families-need-to-discuss-estate-planning--fidelity-says-84998.html Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    7 min

  8. JAN 12

    Strategic Retirement for Child-Free Adults

    Trevor Lawson discusses the unique financial and logistical considerations for adults navigating retirement without children. Because child-free individuals lack a traditional family safety net, Lawson emphasizes the necessity of proactively building a support team of legal proxies or professional geriatric care managers to handle medical and financial decisions. The conversation covers critical strategies such as securing long-term care insurance, earmarking funds for home modifications, and budgeting for social engagement to prevent isolation. References: How to Plan for Retirement When You Don't Have Kids: https://www.aarp.org/money/retirement/retirement-planning-no-kids/ Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

    12 min
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Ratings & Reviews

5
out of 5
9 Ratings

About

A podcast designed to help retirees and those nearing retirement navigate finances and life planning with expert insights from financial advisor Trevor Lawson. Tune in for practical strategies and inspiring ideas to ensure your retirement years are purposeful, fulfilling, and truly your best chapter yet. *Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth. Branch phone: 919-546-0400.

Information

  • Creator
    Trevor Lawson
  • Years Active
    2025 - 2026
  • Episodes
    47
  • Rating
    Clean
  • Copyright
    © 2026

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