On this episode of Farm Truck Financial, Eric sits down with senior-focused personal trainer Lauren Gomes to talk about why muscle really is the “organ of longevity” in retirement. From fall prevention and independence to Alzheimer’s risk and emotional resilience, this conversation will change the way you look at working out in your 50s, 60s, and beyond.If you’re ready to build a retirement plan that supports your lifestyle, health, and legacy, call Eric Kearney and the team at Retirement Wealth Advisors today for a complimentary Farm Fresh Second Opinion on your finances.Staying strong is about far more than looking good. Lauren shares how losing her father in his 50s, navigating stress, emotional eating, and even helping rebuild a tornado-damaged family business pushed her toward a mission: helping people protect their health before crisis hits. She explains how today’s “sit-down culture,” ultra-processed food, and constant convenience quietly steal strength, mobility, and independence if you don’t intentionally fight back with movement.Eric and Lauren break down how muscle mass helps your body use glucose more efficiently, why excess sugar is linked to diabetes and cognitive decline, and why many researchers now refer to Alzheimer’s as “type 3 diabetes.” You’ll hear real-life examples of clients who struggle with basics like getting off the floor, lifting a suitcase, or catching themselves when they trip – and how targeted strength training can restore confidence and independence.They also dive into the psychology of training: how mind–muscle connection can make each rep more effective, how strength work naturally boosts dopamine and serotonin, and why your mood often drops when you stop moving. Eric opens up about his father’s Alzheimer’s journey and how different the health mindset was in that generation, while Lauren explains why she’s studying psychology and natural medicine to support both the body and the brain.Finally, they talk about why being fit has become a new kind of “status symbol” in retirement – your body as your true billboard. If you want to play with grandkids, travel with confidence, and stay independent as long as possible, this episode is a powerful reminder that it’s never too late to start lifting, moving, and planning for a stronger, longer life.

So many Florida retirees move here with out-of-state documents and big questions—this highlight from Farm Truck Financial dives into how your will, trust, homestead, and healthcare wishes really work once you become a Florida resident. Eric Kearney and estate planning attorney Katharine break down probate, creditor protection, nursing home fears, revocable trusts, and why “my kids know who gets what” is not a plan.Call Retirement Wealth Advisors today for a farm fresh second opinion on your retirement income, investments, and estate planning needs. Remember, you only retire once—let’s get it right the first time.In this Farm Truck Financial conversation, Eric Kearney, president of Retirement Wealth Advisors, sits down again with Florida estate planning attorney Katharine to unpack the “second wave” of questions that came in after their first estate planning episode. Florida is a transient state—people move in, move out, and move back again—and many arrive with wills and trusts drafted in other states. Katharine explains how, once you become a Florida resident, Florida law governs key issues like probate, incapacity, and default inheritance rules, and why your existing documents need to be reviewed for Florida compliance.They discuss how Florida treats out-of-state wills, powers of attorney, and healthcare directives, including when those documents are recognized and when they may fall short. You’ll hear why it’s critical to confirm that your will, power of attorney, and advance directives meet Florida’s formal requirements, and how Florida offers limited reciprocity for properly executed healthcare documents from a “sister state.”The episode also covers Florida’s rules on who can serve as your personal representative (executor). Katharine explains that, beyond being 18, competent, and free from certain criminal convictions (including elder-abuse offenses), non-Florida residents must generally be related by blood to qualify. That means the trusted friend you named years ago in another state may be disqualified here, which can derail the plan you thought you had in place.

Retirement today looks nothing like it did for your parents. Longer lifespans, expensive lifestyles and disappearing pensions mean you need a smarter strategy to stay retired, not just retire.Call 601-THE-FARM or visit https://MyIncomePlan.com to schedule your complimentary farm fresh second opinion and download your retirement income guide.If you grew up watching your parents retire with a gold watch, a pension and a quiet life on the porch, today’s version of retirement can feel like a different world. In Southwest Florida especially, retirees are traveling more, living more dynamically and spending more than any generation before them. At the same time, fewer people have pensions, 401(k)s are often mismanaged, and market volatility, inflation and rising healthcare costs all put pressure on your nest egg.On this episode of Farm Truck Financial, Eric Kearney, president of Retirement Wealth Advisors, and investment advisor representative Joseph Lanza break down the new reality of retirement. They talk about how we learned money habits from our parents, why that old advice doesn’t always work today, and what it really takes to turn a pile of savings into sustainable income for 25–30 years or more.You’ll hear stories about real clients discovering the difference between being a saver and being an investor, why rate of return still matters in retirement, and how longevity risk, inflation and taxes work together to erode your purchasing power if you’re not prepared. Eric and Joseph also dig into the emotional side of money: procrastination, fear of missing out (FOMO), and how the media and “Randy down the street” can push investors into bad decisions.

Retirement isn’t just about account balances, it’s about your emotional, mental, and physical wellbeing too. In this episode of Farm Truck Financial, Eric Kearney sits down with yoga and meditation instructor Dani Touroney to talk MS, mindfulness, and how simple daily practices can transform the way you feel in retirement.Call our team today to talk about building a retirement plan that supports both your lifestyle and your peace of mind. 601-THE-FARM or visit https://farmtruckfinancial.comAre you so focused on your finances that you’ve forgotten about your emotional and mental health? In this episode of Farm Truck Financial, Eric Kearney welcomes yoga and meditation instructor Dani Touroney to talk about mindfulness, movement, and how she’s using these tools to help manage her MS (multiple sclerosis) and support others with chronic conditions.Dani shares how a yoga course she took “just for herself” became a lifeline during a frightening season of health challenges—from an autoimmune diagnosis to lesions on her brain and an MS diagnosis. She opens up about choosing a more holistic path, managing flare-ups by lowering stress, and why listening to your body can change the entire trajectory of your health.

Taxes, Medicare, and income planning all collide in retirement—and the order you do things matters. Eric Kearney and CFP® Donna Krohn break down the process that turns confusion into confidence so your money works as hard as you did.Call 601 THE FARM for your complimentary, farm-fresh second opinion or visit https://farmtruckfinancial and request a consultation!On this episode of Farm Truck Financial, Eric Kearney (President, Retirement Wealth Advisors) and Donna Krohn, CFP® unpack how true financial planning ties together income strategy, tax planning (including Roth conversions), Medicare/IRMAA considerations, and coordinated portfolio management. You’ll see why the right process—not random products—drives results, and how our planning team collaborates with CPAs, estate attorneys, and Medicare specialists to stress-test decisions before you act.

Most people dread taxes, Ray Kidwell LOVES THEM! Eric Kearney and Ray unpack RMDs, inherited IRAs, and why October is prime time for tax planning.Call 601-THE-FARM or visit https://farmtruckfinancial.com for a complimentary review. You only retire once. Let’s get it right the first time.To discuss tax prep with a locally owned tax service that treats you RIGHT: https://www.kidwelltax.com/ or call 239-992-9299If you’re 60+, juggling Social Security timing, RMDs at age 73, or an inherited IRA, this conversation shows how proactive planning can reduce surprises. Ray explains why “rush planning” in late December limits your options, how a team approach (advisor + tax pro + attorney) keeps money and paperwork aligned, and why answering the phone (year-round!) still matters. Topics include: Florida dual-home pitfalls, forecasting vs. backward-looking tax prep, the 10-year inherited IRA window, and coordinating Roth conversions before RMD age.Guest: Ray Kidwell, EA (Fort Myers & Bonita Springs). Host: Eric Kearney, Retirement Wealth Advisors (SWFL).This content is educational and not individualized tax, legal, or investment advice. Consult your tax professional, financial advisor, and attorney about your specific situation.

Most 401(k)s are mismanaged—target-date traps, forgotten accounts, and missed matches. In this highlight from Farm Truck Financial, Eric Kearney and Joseph Lanza show how to turn a neglected 401(k) into a real retirement plan.Schedule a farm-fresh second opinion at https://farmtruckfinancial.com/Download free brochures on a variety of financial planning topics at https://myincomeplan.com/Your 401(k) is likely your biggest retirement asset,so why is it on autopilot? In this conversation, Eric and Joseph break down the shift from pensions to self-managed 401(k)s, the dangers of set-and-forget target-date funds, and why investing first (and spending what’s left) is the wealth-builder’s rule. They cover rollover do’s and don’ts, how to claim your employer match, Roth 401(k) opportunities, and the hidden risks of sitting in “stable value” or bond-heavy allocations near retirement. You’ll also hear the “one sentence changed my life” story that turned a lunch-break nudge into a seven-figure balance—and a practical checklist you can use this month to get back in control.What you’ll learn:• Why so many savers default into sub-par target-date funds• How to avoid the 29M “forgotten accounts” problem and consolidate rollovers• The difference between contributions vs. true investment returns• Why “invest first, spend the rest” wins—especially in your peak earning years• How to make 401(k) contributions a non-negotiable part of your budget• Smart steps before and after retirement: Roth 401(k), rollovers, rebalancing, risk

Estate planning isn’t just for the wealthy—it’s for anyone who wants control over their legacy. In this episode of Farm Truck Financial, Eric Kearney and attorney Katharine Payne simplify wills, trusts, probate, and asset protection for Florida families.Want peace of mind for your financial future? Visit MyIncomePlan.com to start your personalized retirement and estate plan today. To reach Katharine Payne, visit her website https://kpaynelaw.comMost people don’t realize that if you don’t create an estate plan, the state already has one for you, and you may not like it. In this episode of Farm Truck Financial, Eric Kearney, President of Retirement Wealth Advisors, sits down with estate planning attorney Katharine Payne to break down what every Floridian should know about wills, probate, powers of attorney, and asset protection.Katharine shares insights from over two decades of practice, explaining how she helps families simplify the process and avoid the pitfalls of procrastination. Together, they discuss why so many people delay estate planning, how Florida’s homestead laws protect property, and what key documents every household should have in place.Whether you’re updating your will, protecting your home, or planning for long-term care, this conversation gives you the clarity you need to take action today.