For many, the annual financial review is just a routine- show up, review the numbers, and leave. But what if that hour could be very valuable for your financial life? If you’re not leaving with clarity and confidence, you might be missing out. David explains how to turn your review into a meaningful conversation by asking the right questions, focusing on your plan, and actively participating.

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

🔍 Identifying Bad Reviews: If it’s all one-sided, something’s wrong

✅ Good Reviews: Start with your goals, not your advisor’s agenda

💬 Collaboration: Ask what you want out of the meeting for a better meeting outcome

💡 Review Your Plan: Know your goals and keep track of progress

🗣️ Spouse Involvement: Make sure both partners are heard in the conversation

For additional resources or to contact David, visit us online at http://creativeoneadvisorsgroup.com or call 913-317-1414.

Two listener questions spark a conversation about the emotional and practical sides of retirement planning. David talks about strategies for easing back into the market after sitting on the sidelines and how retirees can think about taxes when withdrawing from IRAs, brokerage accounts, and Roth accounts. These are the kinds of questions many investors face as they transition into retirement, and without the right guidance, the wrong answers may negatively affect your plan.

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

😱Market Re-Entry: Fear of missing gains vs. fear of crashes

📉 Market History: Declines happen but recoveries follow*

📆 Dollar-Cost Averaging: Gradual investing can help reduce** timing risk

🧠 Risk Tolerance: Your emotional response matters in downturns

🧾 Retirement Taxes: Withdrawal strategy could affect tax outcomes

*Past market performance may not be used to predict or project future results

**Diversification does not ensure a profit or guarantee against market loss

For additional resources or to contact David, visit us online at http://creativeoneadvisorsgroup.com or call 913-317-1414.

When you hire someone to help with your money, you probably assume they’re legally required to act in your best interest. But here’s the catch: not all financial professionals are held to the same standard. In this episode, David breaks down the often-confusing distinction between brokers and fiduciaries, and why it matters for your retirement confidence.

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

⚖️ The legal difference between brokers and fiduciaries

🥩 Why the butcher vs. dietitian analogy matters for your money

🕵️ How to research your advisor on BrokerCheck & SEC sites

🛡️ Why fiduciary duty offers stronger retirement protection

📜 The questions every retiree should ask before hiring an advisor

Resources for this episode:

BrokerCheck

https://brokercheck.finra.org/

Investment Adviser Public Disclosure

https://adviserinfo.sec.gov/

For additional resources or to contact David, visit us online at http://creativeoneadvisorsgroup.com or call 913-317-1414.