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Are you planning to retire before 60? There are three critical tax mistakes that could cost you hundreds of thousands of dollars—and most people don’t discover them until it’s too late. From mishandling Affordable Care Act insurance to pulling money from the wrong retirement accounts at the wrong time, these errors can devastate your retirement income. I break down each mistake and show how proper asset location alone can mean the difference between having $400,000 more in tax-free accounts versus taxable accounts over just ten years.

Most retirement calculators might be telling you that you need to work longer than you actually do. After 29 years as a financial advisor, Ty Bernicke has identified a fundamental flaw in how traditional retirement planning projects your spending needs.

The Social Security Trust Fund is projected to be depleted by 2035. Once depleted, the program will only be able to pay 81% of promised benefits unless Congress acts. This potential reduction has significant implications for when you should claim Social Security.

Mutual funds often carry more costs than investors realize. In this video, I take a closer look at the layers of expenses that can impact your investment performance over time. From expense ratios and transaction costs to cash drag and taxes, you’ll learn how these factors work together and what they could mean for your long-term returns. 

Discover how strategic income and investment planning before Medicare can help retirees cut health insurance costs by over $20,000 a year.