RadiantVest

Financial services

10/06/2026

Jane had $1.1 million saved by 55 — and one number almost changed her mind about retiring at all.

It wasn't the balance. It was the ten years between the retirement date she wanted and the day Medicare actually kicks in — the healthcare gap that trips up more early retirees than people realize.

In this video, I walk through a hypothetical, composite plan for “Jane” (inspired by scenarios I've seen with clients): the exact order we used to turn her four accounts into one predictable paycheck for that decade, and the costly mistakes families tend to make when they skip this step.

Watch here: https://youtu.be/f8uhURhKoG0

09/29/2026

Your 2027 Social Security raise estimate just got smaller — for the third month in a row.

Here's the part most headlines skip: that's not the same as your 2026 raise, which is already locked in (and higher than last year's). The number that's moving is next year's early forecast, and it's shrinking for a pretty specific reason.

I break down what's actually happening — and what it might mean for your retirement income plan — in this week's video:

https://youtu.be/K35k0DBJufQ

09/22/2026

Government employees: do you know how your 457(b) actually works?

It's not the same as a 401(k) or an IRA. If you're a state, county, or city employee — teacher, firefighter, police, or university staff — there's a good chance this account is sitting in your benefits portal, unfunded, because nobody ever explained it in plain language.

In my new video, I cover:
— Why you can access a governmental 457(b) penalty-free at any age once you've left the job
— How it can be stacked with a 403(b) or 401(k) to meaningfully increase what you're able to save
— A composite example of how one Tampa Bay teacher used hers to retire years before Social Security eligibility

Watch the full video here: https://youtu.be/pD4D8h6gTxE

09/15/2026

Same $1 million. Three completely different tax bills — depending on which account it's sitting in. 💭

Most people spend decades building the number and never think about the order they'll actually draw it down in.

In my new video I walk through:
→ Why a 401(k)/Rollover IRA, a Roth, and a brokerage account get taxed completely differently
→ A hypothetical $1M breakdown and how I'd sequence the withdrawals
→ A real client story — her actual structure looked nothing like the "textbook" version, and that's kind of the point
→ A commonly overlooked account that could work as a fourth lever in retirement

Watch here: https://youtu.be/0jhtXpA3Mfc

Are you thinking about this part yet, or still just focused on the savings number? Let me know in the comments. 👇

09/08/2026

Most retirement planning stops at the number. But hitting your number and actually being ready to retire aren't always the same thing.

In my latest video, I'm walking through five things the spreadsheets don't capture — the vision gap, the identity shift, the marriage reinvention, the health variable, and the spending mindset shift. Plus the three questions I actually ask clients who think they're ready.

Watch here: https://youtu.be/T1DPiC-Sxi4

09/01/2026

Same $2 million... $5,000 a month or $11,700 a month?

It depends entirely on how that $2M is built — and most people never think about this decision before they retire.

In my new video, I break down what $500K, $1M, $1.5M, and $2M can actually pay you every month in dividend income. I also share a real story from one of my clients who split his $2 million into two very different buckets — one for income, one for growth — and how both have grown since.

Watch here: https://youtu.be/rKvVzGoVfGE

08/25/2026

A $40K pension. Two Social Security checks. Looks like retirement is solved... but is it?

My latest video breaks down a real planning scenario — a pension starting at 64, two Social Security claims at different ages, and required distributions waiting down the road — and where the catch shows up that most people don't see coming.

Watch here: https://youtu.be/VtdGL8xrS4g

08/18/2026

Think $2 million means you're set for retirement? 💭 Not so fast.

In this week's video, I break down the real difference between families whose money lasts and families whose money doesn't — and it's not the balance. Watch here: https://youtu.be/KpiIvfNQb54

08/12/2026

If you're planning to retire before 65, this may be the most important number you haven't planned for.

Most people assume Medicare kicks in when they stop working.

It doesn't. Medicare starts at 65 — not at retirement.

For a healthy couple retiring at 62 or 63, private insurance alone can run $1,500 to $2,500 per month before Medicare ever starts.

That's a two-year gap that can cost $36,000 to $60,000+ out of pocket — and most retirement plans I review don't account for it.

In this video I walk through:
• What healthcare actually costs in the years before Medicare
• Your coverage options during the gap (and what each one costs)
• How to plan for this window before it catches you off guard

If retirement is within the next 5–10 years, watch this before you set a date.

👉 https://youtu.be/mrGWWoEyZa8

08/11/2026

Is your "safe" money quietly costing you? My latest video breaks down what $200K sitting in savings could be missing out on over 15 years — plus five real examples of what clients did once they saw the number. Watch here: https://youtu.be/1Mj7uHZSf1A

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