Episode Details

Retirement doesn’t just change your schedule. It changes your entire risk profile, your tax situation, and even your health. We sit down with Adam Spears, a former AFS team member turned financial advisor, to connect the dots between physical wellness and financial wellness and to explain why the “third life” years demand a different plan than most people expect.

We talk about the hard pivot from accumulation to distribution: how you go from “grow and save” to building a retirement income plan that actually holds up for 30 years. Adam breaks down the hidden traps that catch real people, including Required Minimum Distributions (RMDs), forced taxable withdrawals, and Medicare IRMAA thresholds that can raise your premiums simply because your income is structured the wrong way. If you’ve ever wondered why retirees can end up with “too much income,” this conversation makes it clear.

Then we get practical. We dig into why tax strategy can matter as much as investment returns, how Roth conversions can create tax-free income flexibility, and why planning early gives you more control later. We also zoom out to purpose: what life looks like without work, how to turn vague goals like “travel more” into a real retirement vision, and why financial stress can spill directly into your body through chronic stress and reduced access to care.

If you care about healthy aging, retirement planning, taxes, Medicare, and building a life you can actually enjoy, this one is for you. Subscribe, share this with a friend who’s nearing retirement, and leave a review with the biggest question you want us to tackle next.