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The Atomic Retirement is a retirement podcast brought to you by financial planner Ryan Kilkenny, a U.S. Marine Corps veteran 🇺🇸 and the founder of Atomic Planning. Ryan is on a mission to educate and empower families to confidently navigate all things money, tax, and retirement. Join him each week as he covers topics on the minds of people in and near retirement. Ryan talks about: retirement planning, retirement income, Roth conversions, tax planning, investing, stocks and bonds, 401(k)s, Ro ...
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show series
 
Better investment returns (we all want them). Today we're discussing how to be a more successful long-term investor and I'm joined by Ashby Daniels, a financial planner and the mastermind behind Money Visuals. Money Visuals is Ashby's creative outlet where he shares wisdom and timeless ideas for long-term investors. We can learn many important less…
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When it comes to bringing people together, few things can match the magic of food, music, and, of course, the thrill of vacationing. Today we're talking about vacationing and I'm joined by Mark Comfort, an industry expert with more than 30 years of experience helping people create memories that last a lifetime. Mark has traveled to 108 countries an…
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One of the most important decisions you will make in retirement is deciding when to collect your Social Security benefits. Social Security is a guaranteed lifetime annuity designed to pay you an inflation-protected income for as long as you live. But figuring out when to collect payments, especially if you are eligible for multiple benefits or coor…
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Today we're talking all things real estate with Kiley Willis. Kiley is a realtor at ReeceNichols Plaza in Kansas City (licensed in both Kansas and Missouri), and she is one of Kansas City's top real estate producers. Last year she was the top-ranked solo agent by sales volume at her old brokerage. And since 2016, she has sold more than 220 homes va…
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Tax season is upon us, and you have probably received your fair share of important tax documents in the mail (or email inbox). Chances are your W-2 is not the only tax form you'll need to complete your income tax return because you likely received at least one or more 1099 forms too. Your 1099 forms report various types of income from the previous …
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Warren Buffett's annual shareholder letter to owners of Berkshire Hathaway stock is out. Today we'll walk through it together, and I'll point out my top takeaways. After all, the letter contains wisdom from someone with 80 years of investing experience, which Buffett points out is roughly one-third of America's lifetime! I hope you enjoy this episo…
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2022 was a terrible, horrible, no good, very bad year for stock and bond markets. It seemed like everything went down in value, everything except inflation and mortgage rates which reached 40-year highs and 20-year highs, respectively. In short, 2022 was an emotionally draining year for many retirement investors and that means most panicked and yan…
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Social Security may only be able to pay 80% of its promised benefits starting in 2035 if Congress does not address a projected shortfall. Today we're talking about 7 changes Americans say they are willing to make to fix Social Security. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned 7 Changes Americans Are Willi…
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Healthcare is not cheap and, aside from taxes, might be your most costly retirement expense. Did you know there's a tax-advantaged savings account to help with your healthcare costs? Health Savings Accounts came about in 2003, and many people are unfamiliar with their benefits and tax secrets. That's our topic on this episode of The Atomic Retireme…
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Today we're talking all things Medicare with Danielle Roberts. Danielle is a Medicare expert and the co-founder of Boomer Benefits, an insurance agency helping people across the country understand Medicare and their insurance options. She's also the author of 10 Costly Medicare Mistakes You Can't Afford To Make. If you have Medicare questions and y…
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With stock and bond markets down double-digits year-to-date, and inflation at 40-year highs, is it a bad time to retire? Should I delay retirement? That's our topic on this episode of The Atomic Retirement podcast! Resources Mentioned Is Now a Bad Time to Retire? What Past Stock Market Declines Can Teach Us Retirees Have a Superpower Sequence of Re…
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How much money do I need to stop working, be financially independent, and retire? Do I need a half-a-million dollars, a million, two million, or something else? That's our topic on this episode of The Atomic Retirement podcast! Resources Mentioned My Social Security Account Website Future Value Calculator Start Your Atomic Retirement Journey 📱 Foll…
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Is the US in a recession? That's our topic on this episode of The Atomic Retirement podcast! Resources Mentioned If This is a Recession, We Might Not Know for Months Bureau of Economic Analysis Gross Domestic Product (GDP) Data Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money…
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Today we are talking about the 15 lies and omissions that insurance salespeople tell about Indexed Universal Life (IUL) Insurance Policies. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned Is IUL a Scam? Yes. by Jeremy Schneider Personal Finance Club Instagram Page Start Your Atomic Retirement Journey 📱 Follow Rya…
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Today we are talking about 10 Social Security myths and misconceptions that refuse to die. I hope you enjoy this episode of The Atomic Retirement podcast! Resources Mentioned 10 Social Security Myths That Refuse to Die Social Security Administration Website Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly…
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Today I'm joined by Samara Nazir, J.D. Samara is an estate planning attorney at Parman & Easterday in Overland Park, Kansas. Samara is licensed to practice law in both Kansas and Missouri, and her practice areas include estate planning and probate administration. If you have questions about your own estate plan, what it looks like to work with an e…
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Today I'm joined by Nick Maggiulli. Nick is the Chief Operating Officer and Data Scientist at Ritholtz Wealth Management in New York City. He has an economics degree from Stanford University and he writes a weekly blog called Of Dollars And Data, where he focuses on the intersection of data and personal finance. Nick is also the author of a new boo…
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Today we are talking about all things insurance and I'm joined by Broc Buckles. Broc is the co-founder of BC Brokerage, an independent insurance brokerage that focuses on serving the families of fee-only financial planners, like Atomic Planning. Broc and his co-founder, Peter, help families across the country accomplish their insurance needs, and g…
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Today we are talking about proactive tax planning and how it may be able to rescue your retirement and defuse a retirement tax bomb. I hope you enjoy this episode of The Atomic Retirement Podcast! Resources Mentioned How Proactive Tax Planning Can Rescue Your Retirement 2022 Tax Rates, Schedules, and Contributions Limits IRS Publication 590-B Distr…
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According to a recent survey from caring.com, 67% of Americans do not have estate planning documents. That's why I'm joined by Andres Mazabel of Trust & Will on this episode of The Atomic Retirement Podcast. Resources Mentioned Trust & Will Website Trust & Will Estate Planning Learning Center 2022 Wills and Estate Planning Study from Caring.com Sta…
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Is Social Security the Best Annuity for Your Money? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources Mentioned Social Security Administration Website Social Security Cost of Living Adjustment Information What are FICA Taxes Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's…
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Should I buy an annuity for retirement income? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Questions you can ask to learn more about an annuity How are you compensated? What is the commission paid to you if I purchase this annuity versus another annuity? What is the insurance company’s financial strength? What ha…
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What are Required Minimum Distributions (RMDs)? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources Mentioned IRS Website Required Minimum Distributions Transferring IRA Money to an HSA from Investopedia Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 As…
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Why is the 60/40 portfolio (probably) wrong for you? How do I think about asset allocation? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources Mentioned Historical Returns on Stocks, Bonds and Bills 1928-2021 Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newslette…
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What's the report mutual funds don't want you to read? That's what I'm talking about on this episode of The Atomic Retirement Podcast. Resources Mentioned S&P Dow Jones Indices End of Year 2021 SPIVA U.S. Scorecard Average Cost of Active & Passive Funds from Investopedia How Mutual Funds Mislead Investors Start Your Atomic Retirement Journey 📱 Foll…
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What's the value of good financial advice (after fees)? That's what I'm talking about in this episode of The Atomic Retirement Podcast. Resources Mentioned Putting a Value on Your Value: Quantifying Vanguard Advisor's Alpha Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Que…
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Who am I and why did I launch Atomic Planning, an independent, veteran-owned 🇺🇸 fee-only, financial planning practice? That's what I'm talking about on this very first episode of The Atomic Retirement Podcast. Start Your Atomic Retirement Journey 📱 Follow Ryan on Twitter 🗞 Get Atomic Planning's Weekly Newsletter 🚀 Ask Ryan a Money Question…
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