Adam Olson Financial Advisor CFP, LUTCF, FSCP, RICP

06/10/2026

Retirement is easier when you handle major expenses before your paycheck stops. Taking care of key purchases now can reduce future financial surprises and create more flexibility later.

🏡 Click the link in my bio to schedule a Red Zone Retirement Planning Call and see if you’re truly retirement ready.

06/10/2026

The years between your retirement date and the start of your Social Security benefits represent an eight-year window that can save you over $300,000 in lifetime taxes if managed correctly. Many retirees make the mistake of living off cash while leaving their pre-tax IRAs untouched, assuming that avoiding distributions keeps their tax bill at zero. However, allowing that deferred balance to compound unhindered simply sets up an explosive RMD problem at age 75, forcing huge mandatory withdrawals that skyrocket your future tax liabilities and Medicare premiums. By systematically executing Roth conversions during those low-income valley years, you proactively fill up lower tax brackets while you still can. This single shift shrinks your future RMD liabilities, secures permanently tax-free income, and ensures you retain control of your wealth instead of letting the IRS dictate your cash flow.

Got questions? Visit my bio to book a free clarity call

Visit for more - www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.

06/10/2026

Approaching retirement? These are some of the most important years for your portfolio strategy. Download my free Investment Portfolio Review Checklist at the link below.

This checklist shows you the difference.

06/10/2026

Honored to be quoted in a recent article from The Street.

As a CFP®, I’m grateful for opportunities to share what I’ve learned over the last 14 years helping people make smarter financial decisions. While I specialize in retirement planning today, it’s amazing what one conversation with a qualified financial professional can do for your investments, tax strategy, savings plan, and overall financial future.

If you’re not currently working with a CFP®, consider getting a second opinion. It could be one of the most valuable conversations you have.

Check out the article below!

The banking giant maps out repayment strategies that could save cardholders thousands.

06/09/2026

Retirement should simplify your life, not complicate it. Consolidating accounts, organizing documents, and creating clear systems today can save your family countless hours of frustration down the road.

✅ Click the link in my bio to schedule a Red Zone Retirement Planning Call and build a retirement that feels like a Saturday everyday.

06/09/2026

Two identical couples can start with the exact same investments and retirement age, yet finish with a $900,000 difference in wealth simply based on when they choose to pay their taxes. In an autopilot retirement, delaying your IRA withdrawals while burning through brokerage assets feels safe, but it often creates a massive tax bomb by age 75 when Required Minimum Distributions kick in. Forced to take large mandatory withdrawals, your tax bracket spikes, more of your Social Security becomes taxable, and expensive Medicare IRMAA surcharges are triggered. By contrast, a legacy-focused Red Zone plan utilizes the lower-income window between ages 62 and 72 to execute strategic annual Roth conversions. By proactively paying taxes earlier at controlled lower brackets, you defuse future RMD pressure, secure more tax-free growth, and keep nearly a million dollars more in your family's hands rather than handing it over to the IRS.

Got questions? Visit my bio to book a free clarity call

Visit for more - www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.

06/08/2026

The final five years before retirement are some of the most important financial years of your life. Small decisions made now can have a massive impact on your taxes, income, healthcare costs, and retirement confidence.

📈 Click the link in my bio to schedule a Red Zone Retirement Planning Call and make sure you’re making the right moves before retirement.

06/08/2026

The "Widow’s Tax" is a brutal mathematical trap where a surviving spouse's tax bill frequently goes up even though total household income goes down. When a partner passes away, the smaller Social Security check disappears, but fixed costs like property taxes and utilities remain virtually unchanged, forcing the survivor to withdraw even more from retirement accounts. Compounding the issue, the survivor must now file as a Single taxpayer, which cuts tax bracket thresholds in half and slashes the first Medicare IRMAA surcharge cliff from around $234,000 down to roughly $117,000. Defusing this financial risk requires proactive planning while both spouses are alive and healthy, using strategic Roth conversions during your joint filing years to build a tax-free bucket that protects the survivor from future tax penalties.

Got questions? Visit my bio to book a free clarity call

Visit for more - www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.

06/08/2026

The businesses creating the most wealth aren't always the ones making headlines. 👀 Click the link to discover the hidden opportunities most people overlook.

Which "boring" business tops the charts?

06/07/2026

When choosing between the safety of an annuity and the growth of the market, the real winner in a 2026 retirement is a flexible guardrails strategy that balances both. While a life only annuity offers a guaranteed check, it lacks an inflation adjustment and provides nothing to your heirs if you pass away early. On the other hand, a dividend only play often yields too little, forcing you into risky sectors to meet your spending needs. By starting with a higher withdrawal rate of 5.5% and adjusting based on market performance, you can spend more during your active go go years while still protecting your long term security. The most effective Red Zone plan combines guaranteed income for your basic needs with flexible withdrawals for your wants, creating a retirement that actually works in the real world.

Got questions? Visit my bio to book a free clarity call

Visit for more - www.adamdolson.com

Contact a tax/legal advisor for tax/legal advice specific to your situation. All investing involves risk, including the possible loss of principal.