⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Some retirement beliefs sound harmless, but they can quietly derail your entire financial plan. In this episode, Jude tackles five of the most common retirement myths that continue to trip people up year after year. Why do these ideas stick around, and what happens when real life doesn’t match the assumption? Tune in to avoid costly surprises and make clearer decisions heading into retirement.

Here’s some of what we discuss in this episode:

📘 Overbuilt Financial Plans: More pages don’t mean better outcomes

💔 Survivor Income Needs: Why expenses rarely drop in half

🛡️ Social Security Reality: Supplement vs. full income replacement

💸 Retirement Taxes: Why brackets don’t always fall

🎯 Decision Complexity: Why retirement choices often get harder

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

New tax rules for 2026 bring meaningful opportunities- but only if you understand the fine print. In this episode, Jude breaks down two of the most overlooked changes: the new senior tax deduction and updated catch-up contribution rules. We clarify who qualifies, how income phase-outs work, and why these provisions can open the door for smarter Roth strategies.

Here’s some of what we discuss in this episode:

🧓 Senior Tax Deduction – $6,000 per person, with income phase-outs

💍 Married Planning Window – Up to $12,000 in additional deductions

🔄 Roth Conversion Strategy – Using deductions to offset conversion taxes

🧾 Catch-Up Contribution Changes – New limits and Roth requirements

🚨 Super Catch-Up Window – Ages 60–63 only (with strict rules)

U.S. Debt Clock:

https://www.usdebtclock.org/

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

We’re excited to be back today with George Rosen and George St Pierre III of Contango Investments, Inc., to dive deeper into what it really takes to buy or sell a business as part of a retirement strategy.

In part two of this conversation, the Georges walk through the practical X’s and O’s- from self-assessment and financing realities to SBA loan requirements, due diligence, and why geography and cash flow matter more than most people realize. They also flip the script to the seller’s side, explaining how advance planning and building a strong advisory team can dramatically increase business value.

Here’s some of what we discuss in this episode:

🔍 Self-assessment before buying a business

💰 SBA financing, cash flow & debt service coverage

📍 Why location and owner involvement matter

🧾 Due diligence and avoiding costly missteps

🚪 Exit planning that increases long-term value

🧠 The power of a coordinated advisory team

Contango Investments:

Website: https://contangoinvestments.com/

LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/

Facebook: https://www.facebook.com/Contangoinvestmentsinc

Instagram: https://www.instagram.com/contango_investmentinc/

X: https://x.com/biz_broker

George Rosen:

LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

More and more retirees and pre-retirees are looking to leave corporate life not to slow down, but to buy a business and build something of their own. In this episode, Jude sits down with George Rosen and George St Pierre III of Contango Investments, Inc. to explore why business acquisitions are booming, what makes today’s market so unique, and how to tell if buying an existing business is the right path for you. They share real success stories, walk through the due diligence process, explain common pitfalls of going solo, and break down what buyers truly need in order to thrive.

Here’s some of what we discuss in this episode:

💼 Why so many retirees are buying businesses

🌊 The “silver tsunami” creating business opportunities

🧩 Matching the right buyer with the right business

📝 The importance of due diligence

🚫 The pitfalls of DIY business buying

Contango Investments:

Website: https://contangoinvestments.com/

LinkedIn: https://www.linkedin.com/company/741644/admin/dashboard/

Facebook: https://www.facebook.com/Contangoinvestmentsinc

Instagram: https://www.instagram.com/contango_investmentinc/

X: https://x.com/biz_broker

George Rosen:

LinkedIn: https://www.linkedin.com/in/floridabusinessvaluations/

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

⭐Let’s make your financial story a heroic one! Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

As the year wraps up, many investors are scrambling to decide whether a Roth conversion makes sense before December 31st. In this episode, Jude breaks down the logic behind “taxes on sale” and why strategic conversions can become a powerful long-term tool when done correctly. You’ll walk away with a clearer understanding of how to avoid costly mistakes and make smarter year-end decisions.

Here’s some of what we discuss in this episode:

📅 Year-End Roth Deadlines: why December 31st matters and when to act

🇺🇸 National Debt & Tax Rates: how today’s environment shapes tomorrow’s taxes

🧠 Roth Conversion Strategy: avoiding bumps into higher brackets and using “tax bracket filling”

💸 Deductions & Tax Cuts: understanding the temporary nature of today’s tax landscape

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Many people think they’re asking the right questions about retirement- but the way those questions are framed often leads to incomplete or even misleading answers. In this episode, Jude breaks down the most common questions he hears and shows how a simple reframing can uncover clearer strategies and more confident retirement decisions. Better questions lead to better answers… and better answers build better retirements.

Here’s some of what we discuss in this episode:

❓ Smarter Questions: why reframing your thinking improves planning

💰 “How Much Do I Need?” Understanding income needs vs. magic numbers

🏥 Long-Term Care: replacing fear-based thinking with practical options

📆 Social Security Timing: choosing based on strategy- not rumors

📉 Cash vs. Risk: avoiding emotional market reactions

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Some people believe having two financial advisors means double the wisdom. But does it really equal double the problems? Today, Jude tackles a listener’s question about this very dilemma. At the end of the day, having two advisors usually creates more confusion than confidence. What most people really need isn’t more voices in the mix; it’s one clear, coordinated plan.

Here’s some of what we discuss in this episode:

⚖️ Pros & Cons: The advantages and drawbacks of having two advisors

⚠️ Confusion Risk: How conflicting advice can derail your financial strategy

📊 Diversification Myth: Why “advisor diversification” doesn’t equal better results

🧾 Double Fees: How having multiple advisors could quietly increase your costs

📉 Performance Tracking: Why comparing results between advisors can be misleading

🧭 One Captain Rule: Why every financial ship needs a single trusted leader

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/

Healthcare costs in retirement just keep climbing- and the newest Fidelity study shows how serious the challenge has become. In this episode, Jude breaks down what retirees can expect to pay for medical expenses, why those costs are outpacing inflation, and the most overlooked ways to plan ahead.

From the hidden expenses Medicare doesn’t cover to how an HSA can serve as a “stealth Roth,” Jude shares actionable strategies to help you prepare for one of retirement’s biggest financial wildcards. You’ll also learn how tax moves like Roth conversions can unexpectedly impact your Medicare premiums and why it’s crucial to factor healthcare into your overall income plan.

Here’s some of what we discuss in this episode:

📈 Healthcare costs rising twice as fast as inflation

🏥 Medicare doesn’t cover everything

⚠️ Watch out for IRMAA and tax surprises

🧩 Plan early to avoid financial strain

Fidelity Report:

https://newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2025-retiree-health-care-cost-estimate--a-timely-reminder-for-all-gen/s/3c62e988-12e2-4dc8-afb4-f44b06c6d52e

CONNECT 🤝

Facebook: https://www.facebook.com/CentrusFinancialStrategies/

X: https://x.com/centrusfs?s=21

LinkedIn: https://www.linkedin.com/company/-wilson-group-financial/

CONTACT ☎

Centrus Website: https://centrusfs.com/podcast/

The Tax Bomb Website: https://thetaxbomb.com/

Call: 800-779-4592

Schedule your complimentary review with Jude: https://calendly.com/centruscalendar-/30min

Watch on YouTube: https://www.youtube.com/channel/UCOyRZhgLenTC49qNZH9mEuQ/