Episodios

  • The Cost of Retirement & Planning for Large IRAs

    The Cost of Retirement & Planning for Large IRAs
    Nov 3 2025
    This week on "Being Financially Peaceful," Rocco Kryns explored the complexities of preparing for and living in retirement, emphasizing that true financial peace is about achieving reliability and purpose—not just accumulating wealth. Rocco highlighted the importance of planning for rising costs, unexpected expenses, and the risk of outliving your savings, dispelling outdated notions of simply saving a fixed amount. He advised listeners to create a personalized monthly income plan that takes into account Social Security, investments, and other income streams, stressing that having accounts is not the same as having a strategy.

    The show also addressed the latest changes in retirement rules, including updates brought by the Secure Act and Secure Act 2.0, which affect how IRAs and 401ks are taxed and inherited. Rocco discussed strategies like Roth conversions and using life insurance to minimize future tax burdens and optimize legacy planning, reminding listeners that every financial situation is unique and benefits from a trustworthy, tailored approach. Audience questions touched on how to handle retirement anxiety, prepare for financial emergencies, and the value of seeking second opinions.


    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    57 m
  • Make Your Money Work for You in Retirement

    Make Your Money Work for You in Retirement
    Oct 27 2025
    This week on "Being Financially Peaceful," financial advisor Rocco Kryns discussed the growing uncertainties in the markets and how retirees can protect their savings amidst volatility caused by tariffs, trade wars, and a shaky stock market. Rocco emphasized that true financial security in retirement isn’t just about accumulating wealth, but about turning savings into reliable, lifelong income. He encouraged listeners to overcome financial complacency by taking action. Kryns drew parallels between retirement planning and mountaineering, noting the importance of having a guide—like a financial Sherpa—to navigate not just the climb of asset accumulation, but the descent into distributing those savings safely and confidently.

    The show also stressed that a holistic approach to retirement involves more than finances—it’s about achieving peace, maintaining good health, nurturing family relationships, and even addressing spirituality. Through anecdotes and practical advice, Rocco outlined his team's “Financial Peace System."


    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    57 m
  • Build Your Financial House Out of BRICKS

    Build Your Financial House Out of BRICKS
    Oct 13 2025
    This week, Rocco Kryns explored the importance of constructing a strong, resilient "financial house" for retirement, drawing on the metaphor of the three little pigs. Rocco emphasized the need for intentional planning, urging listeners to avoid building retirement plans on "straw or sticks" such as unreliable investments or solely depending on Social Security. Instead, he advocates for a "house of bricks" founded on five key pillars: income planning, investment planning, tax strategy, healthcare protection, and legacy design. He stressed that overlooking any part of this financial structure—especially income planning—can leave retirees vulnerable to life’s storms, including inflation, taxes, and market volatility.

    Throughout the episode, Rocco underscored the value of having a solid blueprint, recommending professional guidance to design a retirement plan tailored to one’s individual needs. He encouraged diversification, steady growth, and reliable income streams, drawing parallels to having a sturdy foundation, walls, and roof in a home. The recurring message was clear: true financial security in retirement comes from peace of mind, not simply accumulating money.


    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    29 m
  • Retiring Early to When to Take Social Security?

    Retiring Early to When to Take Social Security?
    Sep 29 2025
    This week on "Being Financially Peaceful," Rocco Kryns answers listener questions about navigating retirement—from deciding the right time to retire and staying mentally engaged, to making informed choices about Social Security. Rocco highlights the importance of having a well-crafted plan that covers all stages of retirement and addresses crucial areas such as income, investments, taxes, healthcare, and legacy.

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    7 m
  • Retirement Redefined: Creating Income for a Lifetime

    Retirement Redefined: Creating Income for a Lifetime
    Sep 22 2025
    On this week’s episode of "Being Financially Peaceful," host Rocco Kryns, president of Wisdom Financial Services, explores key questions about retirement spending and planning. He discusses the average retiree’s monthly expenses, the impact of rising costs and longevity, and why having an increasing income plan is crucial. The conversation highlights the top three retirement risks—inflation, unexpected expenses, and outliving your savings—and emphasizes that true financial peace comes from a well-structured, adaptable plan rather than a focus solely on money.

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    7 m
  • Finding Financial Peace: Retirement Strategies with Rocco Kryns

    Finding Financial Peace: Retirement Strategies with Rocco Kryns
    Sep 15 2025
    On this week’s episode of "Being Financially Peaceful with Rocco Kryns," Rocco tackled listener questions on retirement planning, highlighting the importance of peace of mind over simply growing wealth. They discussed strategies for handling medical expenses, the latest rules on required minimum distributions, and the benefits of modern life insurance options like Index Universal Life for long-term care and tax planning.

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    7 m
  • The Three P's of Retirement

    The Three P's of Retirement
    Sep 8 2025
    On this week’s Being Financially Peaceful with Rocco Kryns, Rocco discusses the “three pillars” of confident retirement—having a pension or stable income, a written financial plan, and a clear purpose for each asset. They emphasize that true financial peace comes from security and clarity, not just a high savings balance, and highlight challenges like the decline of pensions, market volatility, and rising healthcare costs. Listeners are encouraged to proactively plan for retirement needs.

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    7 m
  • Balancing Life and Finances in Retirement

    Balancing Life and Finances in Retirement
    Sep 1 2025
    In this week's episode of "Being Financially Peaceful" with host Rocco Kryns of Wisdom Financial Services, listeners are guided through the complexities of retirement planning, emphasizing peace over wealth accumulation. Addressing common concerns, Rocco highlights strategies like budgeting and income generation while advising retirees to balance spending with life enjoyment. The show encourages creating a plan tailored to personal interests and financial goals.

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/

    To learn more about Rocco Kryns and the team, visit https://needwisdom.com/
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    7 m