Thrive in Retirement

David Bezar
  • 5.0 (15)
  • Investing

The financial education you deserve, but probably never got. This is the Thrive in Retirement Podcast; Hosted by David Bezar, Senior Managing Partner and Co-Founder of Thrive Financial Services, with 30-plus years in advanced tax and retirement planning. Every week, David and his team break down what the wealthiest Americans already know about retirement and taxes, and show you how to put the same strategies to work. If you're within five years of retirement or already living it, and you have money you've worked hard to protect, this show is for you. New episodes weekly. Subscribe and turn on notifications. https://thrivefinancialservices.com/

Episodes

  1. 2d ago

    03 | Chris Bak - How Your Retirement Income Actually Gets Taxed

    What if the taxes you thought would get easier in retirement are actually about to get much harder? Most people assume taxes get simpler once the paycheck stops. David Bezar sits down with Thrive’s in-house financial advisor, Christopher Bak, to explain why the opposite is true and why retirement is where taxes actually get complicated. They break down the difference between tax preparation and tax planning, why the U.S. system is tiered instead of flat, and how the timing of Social Security, pensions, and required distributions can quietly push your retirement income higher than your working income. The T in Thrive’s ROUTE framework stands for taxes, and getting it wrong can cost hundreds of thousands. Listen now. Timestamped Highlights[00:00:00] The domino effect that can change your entire retirement tax picture[00:02:43] Tax preparation vs tax planning, and why the difference matters[00:03:26] The income myth almost half of retirees believe[00:04:24] How the progressive tax system really works[00:05:23] Why retirement timing is a series of dominoes, not a single date[00:06:01] The $2 million couple whose retirement income beat their working income[00:08:07] The timing change that saved a family hundreds of thousands[00:09:14] Bridging the gap to Medicare when you retire early[00:11:13] Investment income and the two ledgers every retiree should know[00:13:00] The biggest tax misconception that penalizes good savers[00:14:19] The complimentary, no-pressure tax evaluation Thrive offers Mentioned ResourcesThrive Financial Services complimentary retirement and tax evaluation. Scheduling line: 800-516-5861. Book online at thrivefinancialservices.com. About the GuestChris Bak, CRPC® is a financial advisor at Thrive Financial Services, with about 15 years in the financial industry across investments, tax planning, and tax preparation. Before financial services he started in nursing school, then realized his passion for helping people was a better fit in retirement and tax planning. He holds the CRPC® designation. 🔗 Connect with Chris: LinkedIn | Website Important LinksConnect with David: Website | LinkedIn How to work with us on Retirement and Advanced Tax Planning Check out our Client Success Stories Disclosure: Thrive Capital Management, LLC, is an SEC-Registered Investment Advisory firm. SEC registration does not constitute an endorsement of the firm by the SEC, nor does it indicate a particular level of skill or ability. Insurance products and services offered through Thrive Financial Services, LLC. Thrive Financial Services and Thrive Capital Management, LLC are affiliated companies. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This podcast for informational purposes only and is not intended as legal, tax, or investment advice, or as a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Thrive in Retirement is an original production hosted by David Bezar. Brought to you by Thrive Financial Services. Production and editing by Podcast Your Brand.

  2. 2d ago

    02 | Our Secret Formula: ROUTE Framework

    What if the one thing your financial advisor never talks about is the thing that decides your entire retirement? In the first episode of Thrive in Retirement, David Bezar opens up about why he built Thrive Financial Services after 37 years in the industry, and why most advisors stop being useful right when retirement gets complicated. He walks through ROUTE, his five-part framework for a successful retirement: Risk, Optimizing income, Unplanned healthcare costs, Taxes, and Estate planning. Along the way, he explains why an IRA is really an IOU to the IRS, how a single Social Security decision can be worth six figures, and why running out of money is the risk almost no one plans for. You only get one shot at retirement. There are no do-overs. Listen now. Timestamped Highlights [00:00:00] The one retirement rule David repeats: there are no do-overs[00:02:18] Why even great financial advisors leave a costly gap[00:04:41] The ROUTE acronym, and the five areas it covers[00:07:54] The Social Security choice that can swing $111,000[00:11:59] GPS investing, and what your risk speed really says about you[00:16:22] The question that trips up even wealthy retirees[00:17:33] A 1973 road trip, an AAA map, and your Money Map[00:22:34] The retirement cost that can quietly hit $450,000[00:29:31] Why David calls an IRA an IOU to the IRS[00:36:52] A personal loss that shows why one document matters[00:41:48] What actually happens in a complimentary evaluation Important Links Connect with David: Website | LinkedIn How to work with us on Retirement and Advanced Tax Planning Check out our Client Success Stories Disclosure: Thrive Capital Management, LLC, is an SEC-Registered Investment Advisory firm. SEC registration does not constitute an endorsement of the firm by the SEC, nor does it indicate a particular level of skill or ability. Insurance products and services offered through Thrive Financial Services, LLC. Thrive Financial Services and Thrive Capital Management, LLC are affiliated companies. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This podcast for informational purposes only and is not intended as legal, tax, or investment advice, or as a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Thrive in Retirement is an original production hosted by David Bezar. Brought to you by Thrive Financial Services. Production and editing by Podcast Your Brand.

  3. 6d ago

    01 | Welcome to Thrive in Retirement!

    What if the parts of retirement that matter most are the ones no one is watching? In the origin episode of Thrive in Retirement, David Bezar opens up about why he traded a number one Philadelphia radio show for a podcast, and what 37 years in financial services taught him about where the industry falls short. He walks through ROUTE, the five-part framework Thrive uses for retirement: Risk, Optimizing income and assets, Unplanned healthcare expenses, Taxes, and Estate planning. Along the way he explains why most advisors stop at investments, how a vague risk questionnaire can miss what really matters, and why he calls his team hope dealers. Retirement has no do-overs, and the complexities rarely arrive one at a time. This is the episode that shows you what to start thinking about now. Listen now. Timestamped Highlights[00:01:07] Why this show refuses to be an infomercial[00:01:54] The industry problem David says almost no one fixes[00:03:21] The lineup of experts coming to future episodes[00:03:21] What 37 years in the business actually taught him[00:04:23] The retirement question young savers never think to ask[00:05:31] Why finding a truly holistic advisor is so hard[00:06:43] From the number one AM radio show to your earbuds[00:07:55] Why the radio show ended, and what replaced it[00:10:19] ROUTE, the five-letter map for the whole retirement picture[00:10:19] Where most risk questionnaires quietly get you wrong[00:13:07] The one letter in ROUTE David admits he geeks out on[00:14:11] The shift from chasing income to becoming a hope dealer[00:20:20] The retirement question that could become a future episode Important LinksConnect with David: Website | LinkedIn How to work with us on Retirement and Advanced Tax Planning Check out our Client Success Stories Disclosure: Thrive Capital Management, LLC, is an SEC-Registered Investment Advisory firm. SEC registration does not constitute an endorsement of the firm by the SEC, nor does it indicate a particular level of skill or ability. Insurance products and services offered through Thrive Financial Services, LLC. Thrive Financial Services and Thrive Capital Management, LLC are affiliated companies. For more information please visit: https://adviserinfo.sec.gov and search for our firm name. This podcast for informational purposes only and is not intended as legal, tax, or investment advice, or as a recommendation of any particular security or strategy. The investment strategy and themes discussed herein may be unsuitable for investors depending on their specific investment objectives and financial situation. Information obtained from third-party sources is believed to be reliable though its accuracy is not guaranteed. Opinions expressed in this commentary reflect subjective judgments of the author based on conditions at the time of publication and are subject to change without notice. Past performance is not indicative of future results. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Thrive in Retirement is an original production hosted by David Bezar. Brought to you by Thrive Financial Services. Production and editing by Podcast Your Brand.

  • 3 Episodes

5
out of 5
15 Ratings

About

The financial education you deserve, but probably never got. This is the Thrive in Retirement Podcast; Hosted by David Bezar, Senior Managing Partner and Co-Founder of Thrive Financial Services, with 30-plus years in advanced tax and retirement planning. Every week, David and his team break down what the wealthiest Americans already know about retirement and taxes, and show you how to put the same strategies to work. If you're within five years of retirement or already living it, and you have money you've worked hard to protect, this show is for you. New episodes weekly. Subscribe and turn on notifications. https://thrivefinancialservices.com/

Information

  • Creator
    David Bezar
  • Years Active
    2026
  • Episodes
    3
  • Rating
    Clean
  • Copyright
    Copyright ©2026 Thrive Financial Services. All Rights Reserved
  • Show Website
    Thrive in Retirement